20019 Rustic Lake Ln, Cypress, TX 77433 Property Records

Harris County property record for 20019 Rustic Lake Ln, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,932 sqft · built 2004
Lot Size	0.147 acres (6,399 sqft)
Owner	2 Individuals on Record
Last Sale	$365,151 (Apr 2025)
Tax Bill	$4,591 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`124-367-005-0002`

Property Details

APN / Parcel Number

Primary APN	`124-367-005-0002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,932 sqft Living Area
1st Floor Area	1,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Construction Type	Frame
Lot Area	6,399 sqft (0.147 acres)
View / Lot	Buildable
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1243670050002
Street Address	20019 RUSTIC LAKE LN
City	CYPRESS
State	TX
Zip	77433-1761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 BLK 5 CYPRESS SPRINGS SEC 2
Legal Subdivision	CYPRESS SPRINGS SEC 2
Legal Block	5
Legal Lot Number	2
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	1
Census Block	1002
Census Tract	543010

Owner

Source: Harris County assessment roll, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	20019 RUSTIC LAKE LN, CYPRESS, TX 77433-1761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Apr 1, 2025	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Apr 23, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025 · Amount on Record
Deed Sale	Apr 1, 2025 · Amount on Record
Prior Sale	Apr 23, 2018 · Amount on Record
Deed Document Number	2025118181
Prior Transfer Date	Apr 20, 2018
Prior Transfer Doc	0000171035
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20019 RUSTIC LAKE LN, CYPRESS, TX 77433-1761
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000670914
Date	Nov 22, 2021
Instrument	2021-670914

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

April 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Apr 1, 2025
Property Address	20019 RUSTIC LAKE LN, CYPRESS, TX 77433-1761
Document Number	0000118181
Map Reference	MF 539145
Instrument Date	Mar 31, 2025
Instrument	2025-118181
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	GREAT AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20019 RUSTIC LAKE LN, CYPRESS, TX 77433-1761

Mortgage

Document Number	0000118182
Date	Apr 1, 2025
Instrument	2025-118182

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2055

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARRIS TX
Recording Date	Apr 23, 2018
Property Address	20019 RUSTIC LAKE LN, CYPRESS, TX 77433-1761
Document Number	0000171035
Map Reference	PL 539145
Instrument Date	Apr 20, 2018
Instrument	2018-171035
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20019 RUSTIC LAKE LN, CYPRESS, TX 77433-1761

Mortgage

Document Number	0000171036
Date	Apr 23, 2018
Instrument	2018-171036

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Harris County assessment roll, as of May 26, 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
2025	$4,591.00 (+182.35%) Homeowner's exemption	$273,225 (-2.02%) Land $57,379 Building $215,846	$273,225 (-2.02%) Land $57,379 Building $215,846
2024	$1,626.00 (+20.18%) Homeowner's exemption	$278,866 (-4.56%) Land $57,379 Building $221,487	$278,866 (-4.56%) Land $57,379 Building $221,487
2023	$1,353.00 Homeowner's exemption	$292,204 Land $54,935 Building $237,269	$292,204 Land $54,935 Building $237,269
2022	$1,353.00 (+17.55%)
2020	$1,151.00

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	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 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 896 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, T-Mobile.

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