Harris County property record for 20055 Silver Rock Dr, Katy, TX 77449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,910 sqft · built 2005 |
| Lot Size | 0.136 acres (5,911 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $377,720 (Apr 2023) |
| Tax Bill | $6,278 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Apr 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 123-224-001-0038 |
| Primary APN | 123-224-001-0038 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,910 sqft Living Area |
| 1st Floor Area | 775 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 5,911 sqft (0.136 acres) |
| View / Lot | Buildable |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 33 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1232240010038 |
|---|---|
| Street Address | 20055 SILVER ROCK DR |
| City | KATY |
| State | TX |
| Zip | 77449-7632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 38 BLK 1 CROSS CREEK SEC 1 |
| Legal Subdivision | CROSS CREEK SEC 1 |
| Legal Block | 1 |
| Legal Lot Number | 38 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 542106 |
20055 Silver Rock Dr is owned and occupied by two individuals who bought it in April 2023.
Source: Harris County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Apr 25, 2023 | Vendor's Lien, Transfer · Conventional Mortgage WHITNEY BANK |
| Aug 10, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 14, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 17, 2022 | Vendor's Lien, Transfer · Stand-Alone First Mortgage CITIZENS STATE BANK |
| Oct 24, 2019 | Vendor's Lien, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2023 · Amount on File |
| Deed Sale | Apr 25, 2023 · Amount on File |
| Prior Sale | Oct 24, 2019 · Amount on File |
| Deed Document Number | 2023146740 |
| Prior Transfer Date | Apr 3, 2007 |
| Prior Transfer Doc | 0000206431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Document Number | 0000230909 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 2023-230909 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 319 Months |
| Due | Jan 1, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Apr 25, 2023 |
| Property Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Document Number | 0000146740 |
| Map Reference | MF 521187 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 2023-146740 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2023 |
| Title Company | FRONTIER TITLE COMPANY-WH LLC, FRONTIER TITLE CO WH LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Document Number | 0000146741 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 2023-146741 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000361543 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 2020-361543 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000330081 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021-330081 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | Jan 1, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Nov 17, 2022 |
| Property Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Document Number | 0000554813 |
| Map Reference | MF 521187 |
| Instrument Date | Nov 16, 2022 |
| Instrument | 2022-554813 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | MONARCH TITLE/TX, MONARCH TITLE OF TEXAS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8122 YANPON VIEW DR, CYPRESS, TX 77433-2559 |
| Investor | Possibly a Property Investor |
| Document Number | 0000554814 |
|---|---|
| Date | Nov 17, 2022 |
| Instrument | 2022-554814 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Dec 16, 2027 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Oct 24, 2019 |
| Property Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Document Number | 0000470992 |
| Map Reference | MF 521187 |
| Instrument Date | Oct 22, 2019 |
| Instrument | 2019-470992 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | CELEBRITY TITLE INC, CELEBRITY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20055 SILVER ROCK DR, KATY, TX 77449-7632 |
| Document Number | 0000470993 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | 2019-470993 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 20055 Silver Rock Dr was $6,278, up 209.9% from the year before.
Source: Harris County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Unified School District | Cypress-Fairbanks Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $265,676 (-0.24%) Land $56,508 Building $209,168 | $265,676 (-0.24%) Land $56,508 Building $209,168 | |
| 2025 | $6,278.00 (+209.87%) | $266,312 Land $56,508 Building $209,804 | $266,312 Land $56,508 Building $209,804 |
| 2024 | $2,026.00 | ||
| 2023 | $278,654 Land $56,508 Building $222,146 | $278,654 Land $56,508 Building $222,146 | |
| 2022 | $1,914.00 | ||
| 2020 | $1,127.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20055 Silver Rock Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 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 risk around 20055 Silver Rock Dr is low, with 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 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.
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 |
| 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.
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 |
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