19530 Cairns Dr, Katy, TX 77449 Property Records

Harris County property record for 19530 Cairns Dr, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,579 sqft · built 2003
Lot Size	0.111 acres (4,825 sqft)
Owner	2 Individual Names on File
Last Sale	$97,800 (May 2003)
Tax Bill	$3,299 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`123-063-001-0039`

Property Details

APN / Parcel Number

Primary APN	`123-063-001-0039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,579 sqft Living Area
1st Floor Area	1,579 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	4,825 sqft (0.111 acres)
View / Lot	Primary
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1230630010039
Street Address	19530 CAIRNS DR
City	KATY
State	TX
Zip	77449-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 39 BLK 1 BEAR CREEK MEADOWS SEC 1
Legal Subdivision	BEAR CREEK MEADOWS SEC 1
Legal Block	1
Legal Lot Number	39
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3008
Census Tract	542106

Owner

19530 Cairns Dr is owned and occupied by two individuals who bought it in May 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	19530 CAIRNS DR, KATY, TX 77449-7303
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jun 1, 2018	Loan Modification, Mortgage JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2003 · Amount on File
Deed Sale	May 16, 2003 · Amount on File
Prior Sale	May 16, 2003
Deed Document Number	2003672154
Deed Book / Page	56784 / 418
Prior Transfer Date	May 12, 2003
Prior Transfer Doc	000W672154
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	19530 CAIRNS DR, KATY, TX 77449-7303
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19530 CAIRNS DR, KATY, TX 77449-7303

Mortgage

Document Number	2021459408
Date	Aug 12, 2021
Instrument	2021-459408

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	May 1, 2048

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	19530 CAIRNS DR, KATY, TX 77449-7303
Document Number	0000288132
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19530 CAIRNS DR KATY TX 774497303, KATY, TX 77449-7303

Mortgage

Document Number	0000288132
Date	Jun 27, 2018
Instrument	288132

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43219-6009

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2048

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 19530 Cairns Dr was $3,299 with a homeowner's exemption, up 144.7% 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	Cypress-Fairbanks Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$233,782 (-4.03%) Land $51,430 Building $182,352	$233,782 (-4.03%) Land $51,430 Building $182,352
2025	$3,299.00 (+144.73%) Homeowner's exemption	$243,593 Land $51,430 Building $192,163	$243,593 Land $51,430 Building $192,163
2024	$1,348.00
2023		$253,806 Land $51,430 Building $202,376	$253,806 Land $51,430 Building $202,376
2022	$1,122.00
2020	$954.00

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

Flood

FEMA maps place 19530 Cairns Dr in Zone X, an area of minimal flood risk.

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 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force

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

The area around 19530 Cairns Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 239 serves 5,583 people · EPA ID TX1012392
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 769 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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