20223 Laurel Lock Dr, Katy, TX 77450 Property Records

Harris County property record for 20223 Laurel Lock Dr, Katy, TX 77450

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,424 sqft · built 1978
Lot Size	0.172 acres (7,475 sqft)
Owner	Individual Name on Record
Last Sale	$478,800 (Jan 2026)
Tax Bill	$4,284 (2025)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109-375-000-0010`

Property Details

APN / Parcel Number

Primary APN	`109-375-000-0010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,424 sqft Living Area
1st Floor Area	1,642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,475 sqft (0.172 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Area	972 sqft
Porch	Open Frame Porch
Porch Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1093750000010
Street Address	20223 LAUREL LOCK DR
City	KATY
State	TX
Zip	77450-4327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 BLK 7 NOTTINGHAM COUNTRY SEC 4
Legal Subdivision	NOTTINGHAM COUNTRY SEC 4
Legal Block	7
Legal Lot Number	10
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2007
Census Tract	454700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	20223 LAUREL LOCK DR, KATY, TX 77450-4327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	Feb 17, 2025
Deed Document Number	2026714
Prior Transfer Date	Apr 5, 2001
Prior Transfer Doc	000U982311
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20223 LAUREL LOCK DR, KATY, TX 77450-4327
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	TRADITIONAL TITLE COMPANY, TRADITION TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22415 KENDALL SHAY CT, KATY, TX 77450-8215

Mortgage

Document Number	0000000715
Date	Jan 2, 2026
Instrument	2026-715

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Unified School District	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$437,157 (+124.19%) Land $105,038 Building $332,119	$437,157 (+124.19%) Land $105,038 Building $332,119
2025	$4,284.00 (-15.3%)	$194,994 (-47.85%) Land $98,035 Building $96,959	$194,994 (-47.85%) Land $98,035 Building $96,959
2024	$5,058.00 (+17.38%)
2023		$373,898 Land $62,322 Building $311,576	$373,898 Land $62,322 Building $311,576
2022	$4,309.00 (-9.4%)
2020	$4,756.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 147 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	147 in force
Nearby Flood Claims	92 (1981–2024)
Claims Outside the SFHA	88 of 92
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Hurricane Harvey, Aug 2017 · 10 claims Severe Storms And Flooding, Apr 2016 · 5 claims Hurricane Alicia, Aug 1983 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 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	MASON CREEK UTILITY DISTRICT serves 8,900 people · EPA ID TX1010379
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 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 641 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20