18518 Rustic Oar Way, Humble, TX 77346 Property Records

Harris County property record for 18518 Rustic Oar Way, Humble, TX 77346

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,621 sqft · built 2005
Lot Size	0.169 acres (7,350 sqft)
Owner	2 Individual Names on File
Last Sale	$164,000 (May 2017)
Tax Bill	$6,683 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`115-985-053-0035`

Property Details

APN / Parcel Number

Primary APN	`115-985-053-0035`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,621 sqft Living Area
1st Floor Area	1,882 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,350 sqft (0.169 acres)
View / Lot	Buildable
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1159850530035
Street Address	18518 RUSTIC OAR WAY
City	HUMBLE
State	TX
Zip	77346-6208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 35 BLK 53 CHAMPIONS VILLAGE WALDEN ON LAKE HOUSTON PH 5
Legal Subdivision	CHAMPIONS VILLAGE WALDEN ON LAKE HOUSTON
Legal Block	53
Legal Lot Number	35
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3004
Census Tract	250404

Owner

18518 Rustic Oar Way is owned and occupied by two individuals who bought it in May 2017.

Source: Harris County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	18518 RUSTIC OAR WAY, HUMBLE, TX 77346-6208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jan 8, 2018	Deed of Trust, Mortgage QUICKEN LNS
May 23, 2017	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Prior Sale	Aug 29, 2013 · Amount on File
Deed Document Number	2017226814
Prior Transfer Date	May 19, 2017
Prior Transfer Doc	20170226814
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	18518 RUSTIC OAR WAY, HUMBLE, TX 77346-6208
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18518 RUSTIC OAR WAY, HUMBLE, TX 77346-6208

Mortgage

Document Number	0000506196
Date	Dec 24, 2025
Instrument	2025-506196

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	18518 RUSTIC OAR WAY, HUMBLE, TX 77346-6208
Document Number	0000019691
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18518 RUSTIC OAR WAY HUMBLE TX 773466208, HUMBLE, TX 77346-6208

Mortgage

Document Number	0000019691
Date	Jan 17, 2018
Instrument	19691

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	May 23, 2017
Property Address	18518 RUSTIC OAR WAY, HUMBLE, TX 77346-6208
Document Number	0000226814
Instrument Date	May 19, 2017
Instrument	226814
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18518 RUSTIC OAR WAY HUMBLE TX 773466208, HUMBLE, TX 77346-6208

Mortgage

Document Number	226815
Date	May 23, 2017
Instrument	226815

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 25707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18518 Rustic Oar Way was $6,683 with a homeowner's exemption, up 151.4% from the year before.

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Unified School District	Humble Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$384,991 (+2.78%) Land $78,529 Building $306,462	$384,991 (+2.78%) Land $78,529 Building $306,462
2025	$6,683.00 (+151.43%) Homeowner's exemption	$374,576 Land $78,529 Building $296,047	$374,576 Land $78,529 Building $296,047
2024	$2,658.00
2023		$422,314 Land $52,961 Building $369,353	$422,314 Land $52,961 Building $369,353
2022	$2,308.00
2020	$1,932.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18518 Rustic Oar Way in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 103 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	103 in force
Nearby Flood Claims	18 (2008–2023)
Claims Outside the SFHA	2 of 18
Most Recent Claim	May 2023 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 15 claims Hurricane Ike, Sep 2008 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 18518 Rustic Oar Way is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARRIS COUNTY MUD 153 serves 11,781 people · EPA ID TX1012133
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, Tachus Fiber Internet.

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