20511 Rustic Rail Ct, Cypress, TX 77433 Property Records

Harris County property record for 20511 Rustic Rail Ct, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,491 sqft · built 2006
Lot Size	0.124 acres (5,403 sqft)
Owner	Individual Name on File
Last Sale	$82,200 (Dec 2010)
Tax Bill	$3,714 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`127-316-001-0054`

Property Details

APN / Parcel Number

Primary APN	`127-316-001-0054`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,491 sqft Living Area
1st Floor Area	1,491 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	5,403 sqft (0.124 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	168 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1273160010054
Street Address	20511 RUSTIC RAIL CT
City	CYPRESS
State	TX
Zip	77433-7543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 54 BLK 1 CANYON LAKES WEST SEC 1
Legal Subdivision	CANYON LAKES WEST SEC 1
Legal Block	1
Legal Lot Number	54
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	2
Census Block	2011
Census Tract	543005

Owner

20511 Rustic Rail Ct is owned and occupied by an individual who bought it in December 2010.

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	20511 RUSTIC RAIL CT, CYPRESS, TX 77433-7543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 18, 2018	Loan Modification, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2010 · Amount on File
Deed Sale	Dec 21, 2010 · Amount on File
Prior Sale	Jul 30, 2010
Deed Document Number	2010539929
Deed Book / Page	2098 / 2003
Prior Transfer Date	Apr 6, 2010
Prior Transfer Doc	0000172824
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20511 RUSTIC RAIL CT, CYPRESS, TX 77433-7543
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20511 RUSTIC RAIL CT, CYPRESS, TX 77433-7543

Mortgage

Document Number	0000217107
Date	Apr 22, 2021
Instrument	2021-217107

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	20511 RUSTIC RAIL CT, CYPRESS, TX 77433-7543
Document Number	0000478347
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20511 RUSTIC RAIL CT CYPRESS TX 774337543, CYPRESS, TX 77433-7543

Mortgage

Document Number	0000478347
Date	Oct 19, 2018
Instrument	478347

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 20511 Rustic Rail Ct was $3,714 with a homeowner's exemption, up 144.3% 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		$231,551 (-0.99%) Land $57,513 Building $174,038	$231,551 (-0.99%) Land $57,513 Building $174,038
2025	$3,714.00 (+144.34%) Homeowner's exemption	$233,861 (-7.22%) Land $57,513 Building $176,348	$233,861 (-7.22%) Land $57,513 Building $176,348
2024	$1,520.00 (+20.16%) Homeowner's exemption	$252,063 (-17.61%) Land $57,513 Building $194,550	$252,063 (-17.61%) Land $57,513 Building $194,550
2023	$1,265.00 Homeowner's exemption	$305,942 Land $57,513 Building $248,429	$305,942 Land $57,513 Building $248,429
2022	$1,265.00
2020	$1,114.00

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

Flood

FEMA maps place 20511 Rustic Rail Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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 154 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	154 in force
Nearby Flood Claims	4 (2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 4 claims

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 20511 Rustic Rail Ct 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 530 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: T-Mobile, Verizon.

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