20523 Apache Lake Dr, Katy, TX 77449 Property Records

Harris County property record for 20523 Apache Lake Dr, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 1994
Lot Size	0.146 acres (6,369 sqft)
Owner	Company Name on File
Tax Bill	$6,932 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`117-759-001-0022`

Property Details

APN / Parcel Number

Primary APN	`117-759-001-0022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
1st Floor Area	1,788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	6,369 sqft (0.146 acres)
View / Lot	Primary
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1177590010022
Street Address	20523 APACHE LAKE DR
City	KATY
State	TX
Zip	77449-6278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 22 BLK 1 SUNDOWN GLEN SEC 4
Legal Subdivision	SUNDOWN GLEN SEC 4
Legal Block	1
Legal Lot Number	22
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1000
Census Tract	542303

Owner

20523 Apache Lake Dr is owned by a company that acquired it in September 2018.

Source: Harris County records, as of September 29, 2026

Owner of Record	Company Name on File
Mailing Address	602 FAIRPORT LN, HOUSTON, TX 77079-2431
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Dec 14, 2018	Deed of Trust, Mortgage DWAIN CARES
Sep 21, 2018	Warranty Deed, Transfer RIVERWAY TITLE COMPANY
Nov 16, 2017	Loan Modification, Mortgage LONE STAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2018
Deed Sale	Sep 21, 2018
Prior Sale	Apr 20, 2011 · Amount on File
Deed Document Number	2018434989
Prior Transfer Date	Apr 5, 2011
Prior Transfer Doc	20110159276
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20523 APACHE LAKE DR, KATY, TX 77449-6278
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	NOT AVAILABLE, UNIVERSITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20623 APACHE LAKE DR, KATY, TX 77449-6277

Mortgage

Document Number	0000254501
Date	May 13, 2022
Instrument	2022-254501

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20523 APACHE LAKE DR, KATY, TX 77449-6278
Document Number	0000566622
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 FAIRPORT LN HOUSTON TX 770792431, HOUSTON, TX 77079-2431

Mortgage

Document Number	0000566622
Date	Dec 19, 2018
Instrument	566622

Lender

Name	DWAIN CARES
Address	PO BOX 677639, ORLANDO, FL 32867-7639

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Sep 21, 2018
Property Address	20523 APACHE LAKE DR, KATY, TX 77449-6278
Document Number	0000434989
Instrument Date	Sep 19, 2018
Instrument	434989
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	RIVERWAY TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 FAIRPORT LN HOUSTON TX 770792431, HOUSTON, TX 77079-2431

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	20523 APACHE LAKE DR, KATY, TX 77449-6278
Document Number	0000196637
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	602 FAIRPORT LN HOUSTON TX 770792431, HOUSTON, TX 77079-2431

Mortgage

Document Number	0000196637
Date	May 7, 2018
Instrument	196637

Lender

Name	LONE STAR BK
Type	Bank
Address	HOUSTON, TX 77063

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 6, 2023

Interest

Rate	6.25%

Tax Assessment & Valuation

The 2025 property tax bill for 20523 Apache Lake Dr was $6,932, down 0.7% 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	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$255,992 (-1.73%) Land $47,088 Building $208,904	$255,992 (-1.73%) Land $47,088 Building $208,904
2025	$6,932.00 (-0.74%)	$260,504 Land $47,088 Building $213,416	$260,504 Land $47,088 Building $213,416
2024	$6,984.00
2023		$284,277 Land $47,088 Building $237,189	$284,277 Land $47,088 Building $237,189
2022	$4,987.00
2020	$3,322.00

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

Flood

FEMA maps place 20523 Apache Lake Dr in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 2010.

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 127 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	32 (2010–2017)
Claims Outside the SFHA	17 of 32
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 31 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

The area around 20523 Apache Lake Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	WEST HARRIS COUNTY MUD 17 serves 3,354 people · EPA ID TX1012238
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 ppb (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	2 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 573 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 · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000

May also be available: Hotwire Communications, Verizon.

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