20603 Sandy Bay Ln, Katy, TX 77449 Property Records

Harris County property record for 20603 Sandy Bay Ln, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,232 sqft · built 2006
Lot Size	0.165 acres (7,171 sqft)
Owner	Individual Name on File
Last Sale	$129,600 (Feb 2016)
Tax Bill	$6,620 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-983-001-0001`

Property Details

APN / Parcel Number

Primary APN	`123-983-001-0001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
1st Floor Area	1,217 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	7,171 sqft (0.165 acres)
View / Lot	Buildable
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	83 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1239830010001
Street Address	20603 SANDY BAY LN
City	KATY
State	TX
Zip	77449-0128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 BLK 1 HIGHLAND CREEK RANCH SEC 2
Legal Subdivision	HIGHLAND CREEK RANCH SEC 2
Legal Block	1
Legal Lot Number	1
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3009
Census Tract	542201

Owner

20603 Sandy Bay Ln is owned by an individual who bought it in February 2016.

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

Owner of Record	Individual Name on File
Mailing Address	35485 EVENING GLOW DR, MURRIETA, CA 92563-7982
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2016 · Amount on File
Deed Sale	Feb 22, 2016 · Amount on File
Prior Sale	Aug 7, 2006
Deed Document Number	201670900
Prior Transfer Date	Jul 31, 2006
Prior Transfer Doc	000Z510407
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20603 SANDY BAY LN, KATY, TX 77449-0128
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000618263
Date	Oct 27, 2021
Instrument	2021-618263

Lender

Name	S & S FINANCIAL INC
Type	Funding / Finance Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 20603 Sandy Bay Ln was $6,620, up 213.9% 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		$280,794 (-) Land $55,424 Building $225,370	$280,794 (-) Land $55,424 Building $225,370
2025	$6,620.00 (+213.89%)	$280,794 (+0.69%) Land $55,424 Building $225,370	$280,794 (+0.69%) Land $55,424 Building $225,370
2024	$2,109.00 (+0.91%)	$278,865 (-8.35%) Land $55,424 Building $223,441	$278,865 (-8.35%) Land $55,424 Building $223,441
2023	$2,090.00	$304,284 Land $55,424 Building $248,860	$304,284 Land $55,424 Building $248,860
2022	$2,090.00
2020	$1,513.00

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

Flood

FEMA maps place 20603 Sandy Bay Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2024 · Hurricane Beryl

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 20603 Sandy Bay Ln 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 157 serves 13,062 people · EPA ID TX1011430
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	1 ppb (2023–2025) 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 990 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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