20522 Ranch Mill Ln, Cypress, TX 77433 Property Records

Harris County property record for 20522 Ranch Mill Ln, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,942 sqft · built 2013
Lot Size	0.136 acres (5,929 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,888 (Sep 2024)
Tax Bill	$7,473 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`127-316-001-0061`

Property Details

APN / Parcel Number

Primary APN	`127-316-001-0061`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,942 sqft Living Area
1st Floor Area	1,444 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	5,929 sqft (0.136 acres)
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	94 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1273160010061
Street Address	20522 RANCH MILL LN
City	CYPRESS
State	TX
Zip	77433-7540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 61 BLK 1 CANYON LAKES WEST SEC 1
Legal Subdivision	CANYON LAKES WEST SEC 1
Legal Block	1
Legal Lot Number	61
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	2
Census Block	2011
Census Tract	543005

Owner

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	20522 RANCH MILL LN, CYPRESS, TX 77433-7540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 7, 2020	Deed of Trust, Mortgage FREEDOM MTG
Jun 14, 2018	Warranty Deed, Transfer EAGLE HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2024 · Amount on Record
Deed Sale	Sep 26, 2024 · Amount on Record
Prior Sale	Jun 14, 2018 · Amount on Record
Deed Document Number	2024356822
Prior Transfer Date	Jun 12, 2018
Prior Transfer Doc	2018265330
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20522 RANCH MILL LN, CYPRESS, TX 77433-7540
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021172361
Date	Apr 1, 2021
Instrument	2021-172361

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20522 RANCH MILL LN, CYPRESS, TX 77433-7540
Document Number	0000161524
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20522 RANCH MILL LN CYPRESS TX 774337540, CYPRESS, TX 77433-7540

Mortgage

Document Number	0000161524
Date	Apr 15, 2020
Instrument	161524

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jun 14, 2018
Property Address	20522 RANCH MILL LN, CYPRESS, TX 77433-7540
Document Number	0000265330
Instrument Date	Jun 12, 2018
Instrument	265330
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20522 RANCH MILL LN CYPRESS TX 774337540, CYPRESS, TX 77433-7540

Mortgage

Document Number	265331
Date	Jun 14, 2018
Instrument	265331

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

Tax Assessment & Valuation

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		$274,670 (-2.22%) Land $58,073 Building $216,597	$274,670 (-2.22%) Land $58,073 Building $216,597
2025	$7,473.00 (+306.14%)	$280,900 (-24.53%) Land $58,073 Building $222,827	$280,900 (-24.53%) Land $58,073 Building $222,827
2024	$1,840.00 (+20.18%)
2023		$372,185 Land $58,073 Building $314,112	$372,185 Land $58,073 Building $314,112
2022	$1,531.00 (+13.16%)
2020	$1,353.00

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

Flood

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 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

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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