2012 Saint Charles St, Houston, TX 77003 Property Records

Harris County property record for 2012 Saint Charles St, Houston, TX 77003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,092 sqft · built 2018
Lot Size	0.035 acres (1,538 sqft)
Owner	Individual Name on File
Last Sale	$432,321 (Jun 2022)
Tax Bill	$5,788 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`138-908-001-0004`

Property Details

APN / Parcel Number

Primary APN	`138-908-001-0004`
Alternative APN	`0021260000004`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,092 sqft Living Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	1,538 sqft (0.035 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1389080010004
Street Address	2012 SAINT CHARLES ST
City	HOUSTON
State	TX
Zip	77003-6040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 BLK 1 SAINT CHARLES GROVE
Legal Subdivision	SAINT CHARLES GROVE
Legal Block	1
Legal Lot Number	4
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1051
Census Tract	312300

Owner

2012 Saint Charles St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2012 SAINT CHARLES ST, HOUSTON, TX 77003-6040
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
Jun 1, 2022	Vendor's Lien, Transfer · FHA Mortgage MISSION LOANS LLC
Mar 22, 2021	Vendor's Lien, Transfer · VA Mortgage NAVY FCU
Aug 27, 2019	Warranty Deed, Subdivision Related Transfer SPECTRUM CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Mar 22, 2021 · Amount on File
Deed Document Number	2022286966
Prior Transfer Date	Mar 12, 2021
Prior Transfer Doc	0000148388
Record Updated	Oct 29, 2026

June 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Jun 1, 2022
Property Address	2012 SAINT CHARLES ST, HOUSTON, TX 77003-6040
Document Number	0000286966
Map Reference	MF 681729
Instrument Date	May 27, 2022
Instrument	2022-286966
Transaction Type	Transfer
Record Updated	Jun 9, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 SAINT CHARLES ST, HOUSTON, TX 77003-6040

Mortgage

Document Number	0000286967
Date	Jun 1, 2022
Instrument	2022-286967

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

March 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Mar 22, 2021
Property Address	2012 SAINT CHARLES ST, HOUSTON, TX 77003-6040
Document Number	2021148388
Map Reference	MF 681729
Instrument Date	Mar 12, 2021
Instrument	2021-148388
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	SECURED TITLE PARTNERS, SECURED TITLE OF TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 SAINT CHARLES ST, HOUSTON, TX 77003-6040

Mortgage

Document Number	2021148389
Date	Mar 22, 2021
Instrument	2021-148389

Lender

Name	NAVY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Aug 27, 2019
Property Address	2012 SAINT CHARLES ST, HOUSTON, TX 77003-6040
Document Number	0000378132
Instrument Date	Aug 26, 2019
Instrument	378132
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 11, 2019
Title Company	VERITAS TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 KIPLING ST #607 HOUSTON TX 770981769, 607, HOUSTON, TX 77098-1769

Mortgage

Document Number	378133
Date	Aug 27, 2019
Instrument	378133

Lender

Name	SPECTRUM CU
Address	OAKLAND, CA 94607

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2012 Saint Charles St was $5,788 with a homeowner's exemption, down 3.3% from the year before.

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Municipality	Houston City
Unified School District	Houston Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$388,287 (-5.78%) Land $73,262 Building $315,025	$388,287 (-5.78%) Land $73,262 Building $315,025
2025	$5,788.00 (-3.29%) Homeowner's exemption	$412,092 Land $73,262 Building $338,830	$412,092 Land $73,262 Building $338,830
2024	$5,985.00
2023		$409,533 Land $61,052 Building $348,481	$409,533 Land $61,052 Building $348,481
2022	$8,251.00
2020	$6,992.00

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

Flood

FEMA maps place 2012 Saint Charles St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	5 (1979–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 2 claims

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 2012 Saint Charles St 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	CITY OF HOUSTON serves 2,970,543 people · EPA ID TX1010013
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · May 2025
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 775 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	1,000 / 75

May also be available: T-Mobile.

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