Harris County property record for 20227 Apache Gardens Ln, Katy, TX 77449
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,275 sqft · built 1981 |
| Lot Size | 0.145 acres (6,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,500 (Aug 2018) |
| Tax Bill | $4,933 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-330-006-0039 |
| Primary APN | 114-330-006-0039 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,275 sqft Living Area |
| 1st Floor Area | 1,275 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 6,300 sqft (0.145 acres) |
| View / Lot | Neighborhood |
| Garage Area | 491 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 25 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1143300060039 |
|---|---|
| Street Address | 20227 APACHE GARDENS LN |
| City | KATY |
| State | TX |
| Zip | 77449-3215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 39 BLK 6 WESTGREEN SEC 1 |
| Legal Subdivision | WESTGREEN SEC 1 |
| Legal Block | 6 |
| Legal Lot Number | 39 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 542402 |
Source: Harris County records · APN 114-330-006-0039
Assessment roll updated May 26, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 08, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Sep 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 30, 2018 | Vendor's Lien, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Nov 09, 2017 | Warranty Deed, Transfer RELATIVE LENDING LLC RELATIVE LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on Record |
| Deed Sale | Aug 30, 2018 · Amount on Record |
| Prior Sale | Nov 09, 2017 · Amount on Record |
| Deed Document Number | 2018398880 |
| Prior Transfer Date | Oct 26, 2017 |
| Prior Transfer Doc | 0000494895 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | May 08, 2026 |
| Property Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000179716 |
| Instrument Date | Mar 05, 2026 |
| Instrument | 2026179716 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000179716, |
|---|---|
| Date | May 08, 2026 |
| Instrument | 2026179716 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Apr 01, 2066 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000363342 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 2023-363342 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 472 Months |
| Due | Jan 01, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000020284 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 2023-020284 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jan 01, 2063 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Aug 30, 2018 |
| Property Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000398880 |
| Map Reference | VOL 285 PG 91 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 2018-398880 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | FRONTIER TITLE COMPANY-WH LLC, FRONTIER TITLE COMPANY WH LL |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000398881 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 2018-398881 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Nov 09, 2017 |
| Property Address | 20227 APACHE GARDENS LN, KATY, TX 77449-3215 |
| Document Number | 0000494896 |
| Instrument Date | Nov 07, 2017 |
| Instrument | 494896 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | SELECT TITLE COMPANY, SELECT TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1904 ALIEF TX 774111904, ALIEF, TX 77411-1904 |
| Document Number | 494897 |
|---|---|
| Date | Nov 09, 2017 |
| Instrument | 494897 |
| Name | RELATIVE LENDING LLC RELATIVE LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | HOUSTON, TX 77056 |
| Amount | Amount Recorded |
|---|
Source: Harris County records · Assessment roll updated May 26, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Unified School District | Katy Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,933.00 (-3.33%) | $267,399 (+8.33%) Land $46,620 Building $220,779 | $267,399 (+8.33%) Land $46,620 Building $220,779 |
| 2024 | $5,103.00 (+17.85%) | ||
| 2023 | $246,845 Land $46,620 Building $200,225 | $246,845 Land $46,620 Building $200,225 | |
| 2022 | $4,330.00 (+29.02%) | ||
| 2020 | $3,356.00 |
Source: FEMA National Flood Hazard Layer as of May 17, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
May also be available: T-Mobile USA, TPC ACC Acquisition, Verizon.
Based on FCC filings for 738 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTON MUD serves 7,647 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2022 |
| Lead | Under 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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