20319 Decker Ridge Dr, Katy, TX 77449 Property Records

Harris County property record for 20319 Decker Ridge Dr, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,750 sqft · built 2004
Lot Size	0.138 acres (5,991 sqft)
Owner	Individual Name on File
Last Sale	$185,993 (Oct 2020)
Tax Bill	$3,263 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-768-003-0041`

Property Details

APN / Parcel Number

Primary APN	`123-768-003-0041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
1st Floor Area	1,750 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	5,991 sqft (0.138 acres)
View / Lot	Buildable
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1237680030041
Street Address	20319 DECKER RIDGE DR
City	KATY
State	TX
Zip	77449-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 41 BLK 3 SETTLERS VILLAGE SEC 5
Legal Subdivision	SETTLERS VILLAGE SEC 5
Legal Block	3
Legal Lot Number	41
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1023
Census Tract	542201

Owner

20319 Decker Ridge Dr is owned and occupied by an individual who bought it in October 2020.

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	Individual Name on File
Mailing Address	20319 DECKER RIDGE DR, KATY, TX 77449-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Apr 4, 2005 · Amount on File
Deed Document Number	2020498845
Prior Transfer Date	Mar 31, 2005
Prior Transfer Doc	000Y366968
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Oct 16, 2020
Property Address	20319 DECKER RIDGE DR, KATY, TX 77449-2307
Document Number	0000498845
Instrument Date	Oct 12, 2020
Instrument	498845
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20319 DECKER RIDGE DR KATY TX 774492307, KATY, TX 77449-2307

Mortgage

Document Number	498846
Date	Oct 16, 2020
Instrument	498846

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20319 Decker Ridge Dr was $3,263 with a homeowner's exemption, up 121.8% 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		$237,007 (-1.49%) Land $47,802 Building $189,205	$237,007 (-1.49%) Land $47,802 Building $189,205
2025	$3,263.00 (+121.82%) Homeowner's exemption	$240,599 Land $47,802 Building $192,797	$240,599 Land $47,802 Building $192,797
2024	$1,471.00
2023		$257,395 Land $47,802 Building $209,593	$257,395 Land $47,802 Building $209,593
2022	$1,768.00
2020	$1,133.00

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

Flood

FEMA maps place 20319 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

Wildfire risk around 20319 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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