20634 Emerald Spruce Ct, Humble, TX 77346 Property Records

Harris County property record for 20634 Emerald Spruce Ct, Humble, TX 77346

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,834 sqft · built 2000
Lot Size	0.155 acres (6,762 sqft)
Owner	2 Individual Names on File
Last Sale	$404,320 (Nov 2024)
Tax Bill	$6,075 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-388-005-0031`

Property Details

APN / Parcel Number

Primary APN	`120-388-005-0031`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,834 sqft Living Area
1st Floor Area	1,181 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	6,762 sqft (0.155 acres)
View / Lot	Primary
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	357 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1203880050031
Street Address	20634 EMERALD SPRUCE CT
City	HUMBLE
State	TX
Zip	77346-8049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 31 BLK 5 KINGS RIVER VILLAGE SEC 8
Legal Subdivision	KINGS RIVER VILLAGE SEC 8
Legal Block	5
Legal Lot Number	31
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1008
Census Tract	250802

Owner

20634 Emerald Spruce Ct is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	73 ALPINE BAY AVE, LAS VEGAS, NV 89148-2818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Mar 13, 2020	Warranty Deed, Transfer · FHA Mortgage CHERRY CREEK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2024 · Amount on File
Deed Sale	Nov 22, 2024 · Amount on File
Prior Sale	Mar 13, 2020 · Amount on File
Deed Document Number	2024438702
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	2020116027
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20634 EMERALD SPRUCE CT, HUMBLE, TX 77346-8049
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021621344
Date	Oct 28, 2021
Instrument	2021-621344

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Mar 13, 2020
Property Address	20634 EMERALD SPRUCE CT, HUMBLE, TX 77346-8049
Document Number	0000116027
Instrument Date	Mar 12, 2020
Instrument	116027
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20634 EMERALD SPRUCE CT HUMBLE TX 773468049, HUMBLE, TX 77346-8049

Mortgage

Document Number	116028
Date	Mar 13, 2020
Instrument	116028

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20634 Emerald Spruce Ct was $6,075 with a homeowner's exemption, up 147.4% 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	Humble Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$356,285 (-1.67%) Land $66,810 Building $289,475	$356,285 (-1.67%) Land $66,810 Building $289,475
2025	$6,075.00 (+147.35%) Homeowner's exemption	$362,340 Land $66,810 Building $295,530	$362,340 Land $66,810 Building $295,530
2024	$2,456.00
2023		$392,304 Land $24,720 Building $367,584	$392,304 Land $24,720 Building $367,584
2022	$2,137.00
2020	$1,851.00

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

Flood

FEMA maps place 20634 Emerald Spruce 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 133 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	133 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 20634 Emerald Spruce Ct is low, with less than 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 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	Under 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 151 serves 7,464 people · EPA ID TX1010905
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tachus Fiber Internet Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

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