Harris County property record for 20235 Decker Ridge Dr, Katy, TX 77449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,406 sqft · built 2005 |
| Lot Size | 0.137 acres (5,980 sqft) |
| Owner | Individual Name on File |
| Last Sale | $202,500 (Nov 2018) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 123-768-003-0048 |
| Primary APN | 123-768-003-0048 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| 1st Floor Area | 1,406 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 5,980 sqft (0.137 acres) |
| View / Lot | Buildable |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 390 sqft |
|---|---|
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 270 sqft |
| Patio Area | 246 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1237680030048 |
|---|---|
| Street Address | 20235 DECKER RIDGE DR |
| City | KATY |
| State | TX |
| Zip | 77449-2305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 48 BLK 3 SETTLERS VILLAGE SEC 5 |
| Legal Subdivision | SETTLERS VILLAGE SEC 5 |
| Legal Block | 3 |
| Legal Lot Number | 48 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 542201 |
20235 Decker Ridge Dr is owned and occupied by an individual who bought it in November 2018.
Source: Harris County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20235 DECKER RIDGE DR, KATY, TX 77449-2305 |
| 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 |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Nov 6, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2018 · Amount on File |
| Deed Sale | Nov 6, 2018 · Amount on File |
| Prior Sale | Nov 1, 2005 · Amount on File |
| Deed Document Number | 2018505697 |
| Prior Transfer Date | Nov 5, 2018 |
| Prior Transfer Doc | 0000505697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20235 DECKER RIDGE DR, KATY, TX 77449-2305 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 20235 DECKER RIDGE DR, KATY, TX 77449-2305 |
| Document Number | 0000042221 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 2022-42221 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Term | 359 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Nov 6, 2018 |
| Property Address | 20235 DECKER RIDGE DR, KATY, TX 77449-2305 |
| Document Number | 0000505697 |
| Instrument Date | Nov 5, 2018 |
| Instrument | 505697 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20235 DECKER RIDGE DR KATY TX 774492305, KATY, TX 77449-2305 |
| Document Number | 505698 |
|---|---|
| Date | Nov 6, 2018 |
| Instrument | 505698 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 5, 2048 |
The 2025 property tax bill for 20235 Decker Ridge Dr was $3,489 with a homeowner's exemption, up 120.3% 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 | $311,700 (+23.67%) Land $47,714 Building $263,986 | $311,700 (+23.67%) Land $47,714 Building $263,986 | |
| 2025 | $3,489.00 (+120.27%) Homeowner's exemption | $252,046 Land $47,714 Building $204,332 | $252,046 Land $47,714 Building $204,332 |
| 2024 | $1,584.00 | ||
| 2023 | $273,935 Land $47,714 Building $226,221 | $273,935 Land $47,714 Building $226,221 | |
| 2022 | $1,318.00 | ||
| 2020 | $1,121.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20235 Decker Ridge Dr in Zone X, an area of minimal flood risk.
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 33 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 33 in force |
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 20235 Decker Ridge 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 105 serves 14,925 people · EPA ID TX1011227 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 595 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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