Harris County property record for 20318 Laurel Lock Dr, Katy, TX 77450
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,946 sqft · built 1980 |
| Lot Size | 0.16 acres (6,954 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,250 (Aug 2025) |
| Tax Bill | $1,288 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 109-374-000-0032 |
| Primary APN | 109-374-000-0032 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,946 sqft Living Area |
| 1st Floor Area | 1,946 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Lot Area | 6,954 sqft (0.16 acres) |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 116 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1093740000032 |
|---|---|
| Street Address | 20318 LAUREL LOCK DR |
| City | KATY |
| State | TX |
| Zip | 77450-4330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 32 BLK 6 NOTTINGHAM COUNTRY SEC 4 |
| Legal Subdivision | NOTTINGHAM COUNTRY SEC 4 |
| Legal Block | 6 |
| Legal Lot Number | 32 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 454700 |
Source: Harris County assessment roll, as of May 26, 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 | 20318 LAUREL LOCK DR, KATY, TX 77450-4330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 8, 2025 | Vendor's Lien, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Oct 7, 2019 | Deed of Trust, Mortgage JP MORGAN CHASE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 8, 2025 · Amount on Record |
| Deed Sale | Aug 8, 2025 · Amount on Record |
| Prior Sale | Oct 29, 2013 · Amount on Record |
| Deed Document Number | 2025311574 |
| Prior Transfer Date | Sep 25, 2013 |
| Prior Transfer Doc | 0000551091 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20318 LAUREL LOCK DR, KATY, TX 77450-4330 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | GREAT AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000100040 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022-100040 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Aug 8, 2025 |
| Property Address | 20318 LAUREL LOCK DR, KATY, TX 77450-4330 |
| Document Number | 0000311574 |
| Map Reference | VOL 234 PG 62 |
| Instrument Date | Aug 7, 2025 |
| Instrument | 2025-311574 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | ENVISION TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20318 LAUREL LOCK DR, KATY, TX 77450-4330 |
| Document Number | 0000311575 |
|---|---|
| Date | Aug 8, 2025 |
| Instrument | 2025-311575 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20318 LAUREL LOCK DR, KATY, TX 77450-4330 |
| Document Number | 0000460686 |
| Instrument Date | Oct 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | GREAT AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 20318 LAUREL LOCK DR KATY TX 774504330, KATY, TX 77450-4330 |
| Document Number | 0000460686 |
|---|---|
| Date | Oct 17, 2019 |
| Instrument | 460686 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 16, 2049 |
Source: Harris County assessment roll, as of May 26, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Unified School District | Katy Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,288.00 (-13.38%) Homeowner's exemption | $341,291 (-) Land $97,306 Building $243,985 | $341,291 (-) Land $97,306 Building $243,985 |
| 2024 | $1,487.00 (+0.95%) Homeowner's exemption | $341,291 (+1.4%) Land $71,242 Building $270,049 | $341,291 (+1.4%) Land $71,242 Building $270,049 |
| 2023 | $1,473.00 Homeowner's exemption | $336,578 Land $61,859 Building $274,719 | $336,578 Land $61,859 Building $274,719 |
| 2022 | $1,473.00 (-46.49%) | ||
| 2020 | $2,753.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
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 USA Fixed Wireless | 100 / 20 |
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