20314 Rusty Rock Ln, Cypress, TX 77433 Property Records

Harris County property record for 20314 Rusty Rock Ln, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,216 sqft · built 2011
Lot Size	0.156 acres (6,811 sqft)
Owner	2 Individual Names on File
Last Sale	$332,500 (Feb 2022)
Tax Bill	$6,177 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`130-292-001-0004`

Property Details

APN / Parcel Number

Primary APN	`130-292-001-0004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,216 sqft Living Area
1st Floor Area	2,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	6,811 sqft (0.156 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	127 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1302920010004
Street Address	20314 RUSTY ROCK LN
City	CYPRESS
State	TX
Zip	77433-6299
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 BLK 1 CANYON LAKES WEST SEC 4
Legal Subdivision	CANYON LAKES WEST SEC 4
Legal Block	1
Legal Lot Number	4
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	1
Census Block	1054
Census Tract	543006

Owner

20314 Rusty Rock Ln is owned and occupied by two individuals who bought it in February 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20314 RUSTY ROCK LN, CYPRESS, TX 77433-6299
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Vendor's Lien, Transfer · Conventional Mortgage CITIZENS BANK NA
Mar 14, 2018	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2022 · Amount on File
Deed Sale	Feb 7, 2022 · Amount on File
Prior Sale	Oct 12, 2011 · Amount on File
Deed Document Number	202266323
Prior Transfer Date	Oct 7, 2011
Prior Transfer Doc	0000431012
Record Updated	Oct 29, 2026

February 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Feb 7, 2022
Property Address	20314 RUSTY ROCK LN, CYPRESS, TX 77433-6299
Document Number	0000066323
Map Reference	MF 617223
Instrument Date	Feb 1, 2022
Instrument	2022-66323
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20314 RUSTY ROCK LN, CYPRESS, TX 77433-6299

Mortgage

Document Number	0000066324
Date	Feb 7, 2022
Instrument	2022-66324

Lender

Name	CITIZENS BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	20314 RUSTY ROCK LN, CYPRESS, TX 77433-6299
Document Number	0000155668
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20314 RUSTY ROCK LN CYPRESS TX 774336299, CYPRESS, TX 77433-6299

Mortgage

Document Number	0000155668
Date	Apr 12, 2018
Instrument	155668

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 20314 Rusty Rock Ln was $6,177 with a homeowner's exemption, up 185.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$294,588 (-14.47%) Land $76,474 Building $218,114	$294,588 (-14.47%) Land $76,474 Building $218,114
2025	$6,177.00 (+185.18%) Homeowner's exemption	$344,426 Land $76,474 Building $267,952	$344,426 Land $76,474 Building $267,952
2024	$2,166.00
2023		$327,000 Land $69,522 Building $257,478	$327,000 Land $69,522 Building $257,478
2022	$1,861.00
2020	$1,543.00

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

Flood

FEMA maps place 20314 Rusty Rock Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 451 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	451 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2024 · Hurricane Beryl

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

Wildfire risk around 20314 Rusty Rock Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARRIS COUNTY MUD 165 serves 40,503 people · EPA ID TX1012187
Water Source	Purchased surface water from WEST HARRIS COUNTY REGIONAL WATER AUTHOR
Last State Inspection	Nov 2025
Lead	1 ppb (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 433 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, Verizon.

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