19815 Rustic Lake Ln, Cypress, TX 77433 Property Records

Harris County property record for 19815 Rustic Lake Ln, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,316 sqft · built 2006
Lot Size	0.16 acres (6,972 sqft)
Owner	Individual Name on File
Last Sale	$97,600 (Jul 2010)
Tax Bill	$5,192 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124-367-004-0043`

Property Details

APN / Parcel Number

Primary APN	`124-367-004-0043`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,316 sqft Living Area
1st Floor Area	954 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	6,972 sqft (0.16 acres)
View / Lot	Buildable
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1243670040043
Street Address	19815 RUSTIC LAKE LN
City	CYPRESS
State	TX
Zip	77433-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 43 BLK 4 CYPRESS SPRINGS SEC 2
Legal Subdivision	CYPRESS SPRINGS SEC 2
Legal Block	4
Legal Lot Number	43
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	1
Census Block	1000
Census Tract	543010

Owner

19815 Rustic Lake Ln is owned and occupied by an individual who bought it in July 2010.

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

Owner of Record	Individual Name on File
Mailing Address	19815 RUSTIC LAKE LN, CYPRESS, TX 77433-1759
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
Nov 23, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Oct 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2010 · Amount on File
Deed Sale	Jul 22, 2010 · Amount on File
Prior Sale	Mar 30, 2010
Deed Document Number	2010311494
Deed Book / Page	7308 / 828
Prior Transfer Date	Jan 5, 2010
Prior Transfer Doc	0000014139
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	19815 RUSTIC LAKE LN, CYPRESS, TX 77433-1759
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	19815 RUSTIC LAKE LN, CYPRESS, TX 77433-1759

Mortgage

Document Number	2020572439
Date	Nov 23, 2020
Instrument	2020-572439

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	237 Months
Due	Aug 1, 2040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	19815 RUSTIC LAKE LN, CYPRESS, TX 77433-1759
Document Number	0000572439
Instrument Date	Oct 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19815 RUSTIC LAKE LN CYPRESS TX 774331759, CYPRESS, TX 77433-1759

Mortgage

Document Number	0000572439
Date	Nov 23, 2020
Instrument	572439

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 22, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 19815 Rustic Lake Ln was $5,192 with a homeowner's exemption, up 190.4% 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	Cypress-Fairbanks Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$298,250 (-0.66%) Land $57,923 Building $240,327	$298,250 (-0.66%) Land $57,923 Building $240,327
2025	$5,192.00 (+190.38%) Homeowner's exemption	$300,217 Land $57,923 Building $242,294	$300,217 Land $57,923 Building $242,294
2024	$1,788.00
2023		$321,826 Land $55,651 Building $266,175	$321,826 Land $55,651 Building $266,175
2022	$1,488.00
2020	$1,272.00

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

Flood

FEMA maps place 19815 Rustic Lake Ln 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 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 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 19815 Rustic Lake Ln 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 165 serves 40,503 people · EPA ID TX1012187
Water Source	Purchased surface water from WEST HARRIS COUNTY REGIONAL WATER AUTHOR
Last State Inspection	Nov 2025
Lead	1 ppb (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	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 1,012 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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