20046 Silver Rock Dr, Katy, TX 77449 Property Records

Harris County property record for 20046 Silver Rock Dr, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,630 sqft · built 2003
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Dec 2018)
Tax Bill	$4,313 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-224-001-0032`

Property Details

APN / Parcel Number

Primary APN	`123-224-001-0032`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,630 sqft Living Area
1st Floor Area	1,325 sqft
Game Room	Game Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,750 sqft (0.132 acres)
View / Lot	Primary
Garage Area	320 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1232240010032
Street Address	20046 SILVER ROCK DR
City	KATY
State	TX
Zip	77449-7631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 32 BLK 1 CROSS CREEK SEC 1
Legal Subdivision	CROSS CREEK SEC 1
Legal Block	1
Legal Lot Number	32
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1009
Census Tract	542106

Owner

Source: Harris County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	20046 SILVER ROCK DR, KATY, TX 77449-7631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Jul 20, 2004 · Amount on Record
Deed Document Number	2018562720
Prior Transfer Date	Dec 11, 2018
Prior Transfer Doc	0000562720
Record Updated	Sep 20, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Dec 18, 2018
Property Address	20046 SILVER ROCK DR, KATY, TX 77449-7631
Document Number	0000562720
Instrument Date	Dec 11, 2018
Instrument	562720
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20046 SILVER ROCK DR KATY TX 774497631, KATY, TX 77449-7631

Mortgage

Document Number	562721
Date	Dec 18, 2018
Instrument	562721

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 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	$4,313.00 (-7.51%) Homeowner's exemption	$301,918 (-5.68%) Land $56,350 Building $245,568	$301,918 (-5.68%) Land $56,350 Building $245,568
2024	$4,663.00 (+202.2%)
2023		$320,104 Land $56,350 Building $263,754	$320,104 Land $56,350 Building $263,754
2022	$1,543.00 (+12.63%)
2020	$1,370.00

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 41 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2024 · Hurricane Beryl

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 157 serves 13,062 people · EPA ID TX1011430
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	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	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 921 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