20226 Laurel Lock Dr, Katy, TX 77450 Property Records

Harris County property record for 20226 Laurel Lock Dr, Katy, TX 77450

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,489 sqft · built 1980
Lot Size	0.16 acres (6,954 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,700 (Nov 2021)
Tax Bill	$6,129 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109-374-000-0025`

Property Details

APN / Parcel Number

Primary APN	`109-374-000-0025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,489 sqft Living Area
1st Floor Area	1,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	6,954 sqft (0.16 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Pool Area	576 sqft
Porch	Open Frame Porch
Porch Area	326 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1093740000025
Street Address	20226 LAUREL LOCK DR
City	KATY
State	TX
Zip	77450-4328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 25 BLK 6 NOTTINGHAM COUNTRY SEC 4
Legal Subdivision	NOTTINGHAM COUNTRY SEC 4
Legal Block	6
Legal Lot Number	25
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2006
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	2 Individual Names on Record
Mailing Address	20226 LAUREL LOCK DR, KATY, TX 77450-4328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	2021678969
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	2021678969
Record Updated	Oct 29, 2026

November 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Nov 29, 2021
Property Address	20226 LAUREL LOCK DR, KATY, TX 77450-4328
Document Number	2021678969
Map Reference	VOL 234 PG 62
Instrument Date	Nov 24, 2021
Instrument	2021-678969
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20226 LAUREL LOCK DR, KATY, TX 77450-4328

Mortgage

Document Number	2021678970
Date	Nov 29, 2021
Instrument	2021-678970

Lender

Name	ROCK MORTGAGE SERVICES LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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		$379,110 (-1.39%) Land $104,256 Building $274,854	$379,110 (-1.39%) Land $104,256 Building $274,854
2025	$6,129.00 (-13.32%) Homeowner's exemption	$384,459 (+0.28%) Land $97,306 Building $287,153	$384,459 (+0.28%) Land $97,306 Building $287,153
2024	$7,071.00 (+5.13%)
2023		$383,395 Land $61,859 Building $321,536	$383,395 Land $61,859 Building $321,536
2022	$6,726.00 (+331.71%)
2020	$1,558.00

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 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