20707 Key Oak Ln, Cypress, TX 77433 Property Records

Harris County property record for 20707 Key Oak Ln, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 2004
Lot Size	0.109 acres (4,740 sqft)
Owner	Individual Name on Record
Last Sale	$144,300 (Mar 2015)
Tax Bill	$5,568 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124-522-002-0026`

Property Details

APN / Parcel Number

Primary APN	`124-522-002-0026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	4,740 sqft (0.109 acres)
View / Lot	Buildable
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1245220020026
Street Address	20707 KEY OAK LN
City	CYPRESS
State	TX
Zip	77433-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 26 BLK 2 CANYON VILLAGE AT CYPRESS SPRINGS SEC 2
Legal Subdivision	CYPRESS SPRINGS SEC 2
Legal Block	2
Legal Lot Number	26
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	2
Census Block	2028
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	Individual Name on Record
Mailing Address	20707 KEY OAK LN, CYPRESS, TX 77433-1749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2015 · Amount on Record
Deed Sale	Mar 24, 2015 · Amount on Record
Prior Sale	Jan 24, 2005 · Amount on Record
Deed Document Number	2015118584
Prior Transfer Date	Mar 19, 2015
Prior Transfer Doc	20150118584
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20707 KEY OAK LN, CYPRESS, TX 77433-1749
Document Number	0000584629
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20707 KEY OAK LN CYPRESS TX 774331749, CYPRESS, TX 77433-1749

Mortgage

Document Number	0000584629
Date	Dec 1, 2020
Instrument	584629

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 30, 2045

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		$230,827 (-2.27%) Land $48,526 Building $182,301	$230,827 (-2.27%) Land $48,526 Building $182,301
2025	$5,568.00 (+210.54%)	$236,193 (-4.85%) Land $48,526 Building $187,667	$236,193 (-4.85%) Land $48,526 Building $187,667
2024	$1,793.00 (+5.16%)
2023		$248,232 Land $51,178 Building $197,054	$248,232 Land $51,178 Building $197,054
2022	$1,705.00 (+44.13%)
2020	$1,183.00

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	0.03% annual chance
Exposure	Direct burnable vegetation

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 690 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, T-Mobile, Verizon.

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