Harris County property record for 20403 Gable Ridge Dr, Katy, TX 77450
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,783 sqft · built 1991 |
| Lot Size | 0.346 acres (15,082 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Nov 2003) |
| Tax Bill | $8,122 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 117-032-002-0032 |
| Primary APN | 117-032-002-0032 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,783 sqft Living Area |
| 1st Floor Area | 2,204 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 15,082 sqft (0.346 acres) |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 684 sqft |
|---|---|
| Porch | Open Frame Porch |
| Porch Area | 420 sqft |
| Patio Area | 297 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1170320020032 |
|---|---|
| Street Address | 20403 GABLE RIDGE DR |
| City | KATY |
| State | TX |
| Zip | 77450-6613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 32 BLK 2 KELLIWOOD GARDENS SEC 1 |
| Legal Subdivision | KELLIWOOD GARDENS SEC 1 |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 454901 |
Source: Harris County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20403 GABLE RIDGE DR, KATY, TX 77450-6613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 13, 2017 | Deed of Trust, Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2003 · Amount on Record |
| Deed Sale | Nov 19, 2003 · Amount on Record |
| Deed Document Number | 2003203450 |
| Deed Book / Page | 57855 / 1517 |
| Prior Transfer Date | Nov 14, 2003 |
| Prior Transfer Doc | 000X203450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20403 GABLE RIDGE DR, KATY, TX 77450-6613 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000709848 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021-709848 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20403 GABLE RIDGE DR, KATY, TX 77450-6613 |
| Document Number | 0000433057 |
| Instrument Date | Sep 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2017 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 20403 GABLE RIDGE DR KATY TX 774506613, KATY, TX 77450-6613 |
| Document Number | 0000433057 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | 433057 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 2047 |
Source: Harris County assessment roll, as of September 29, 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 |
|---|---|---|---|
| 2026 | $485,271 (-1.3%) Land $102,216 Building $383,055 | $485,271 (-1.3%) Land $102,216 Building $383,055 | |
| 2025 | $8,122.00 (+22.37%) Homeowner's exemption | $491,652 (-6.16%) Land $102,216 Building $389,436 | $491,652 (-6.16%) Land $102,216 Building $389,436 |
| 2024 | $6,637.00 (+16.48%) | ||
| 2023 | $523,900 Land $102,216 Building $421,684 | $523,900 Land $102,216 Building $421,684 | |
| 2022 | $5,698.00 (-13.46%) | ||
| 2020 | $6,584.00 |
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 90 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 90 in force |
| Nearby Flood Claims | 2 (2010–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2017 · Hurricane Harvey |
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 | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 | NOTTINGHAM COUNTRY MUD serves 7,095 people · EPA ID TX1012315 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2022 |
| 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 426 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ezee Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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