20720 Winlock Trace Dr, Katy, TX 77450 Property Records

Fort Bend County property record for 20720 Winlock Trace Dr, Katy, TX 77450

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,521 sqft · built 1999
Lot Size	0.217 acres (9,474 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,936 (2025)
Deeds & Mortgages	Nov 2017 Construction Loan Apr 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R215342`

Property Details

APN / Parcel Number

Primary APN	`R215342`
Alternative APN	`2274-05-002-0280-914`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,521 sqft Living Area
1st Floor Area	1,622 sqft
2nd Floor Area	899 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,474 sqft (0.217 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	93 sqft
Patio Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R215342
Street Address	20720 WINLOCK TRACE DR
City	KATY
State	TX
Zip	77450-7231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CINCO RANCH MEADOW PLACE SEC 5, BLOCK 2, LOT 28
Legal Subdivision	CINCO RANCH MEADOW PLACE SEC 5
Legal Block	2
Legal Lot Number	28
Jurisdiction	FORT BEND TX
Township / Civil Division	FULSHEAR-SIMONTON
Census Block Group	3
Census Block	3001
Census Tract	673008

Owner

Source: Fort Bend County records, as of January 28, 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	20720 WINLOCK TRACE DR, KATY, TX 77450-7231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2017	Trustee's Deed, Construction Loan · Construction Mortgage US SMALL BUSN ADMN
Apr 3, 2017	Warranty Deed, Transfer FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017
Deed Sale	Apr 3, 2017
Prior Sale	May 24, 2002
Deed Document Number	2017035154
Record Updated	Jun 8, 2026

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FORT BEND TX
Recording Date	Nov 14, 2017
Property Address	20720 WINLOCK TRACE DR, KATY, TX 77450-7231
Instrument Date	Oct 2, 2017
Instrument	125579
Transaction Type	Construction Loan
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20720 WINLOCK TRACE DR KATY TX 774507231, KATY, TX 77450-7231

Mortgage

Document Number	0000125579
Date	Nov 14, 2017
Instrument	125579

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORT BEND TX
Recording Date	Apr 3, 2017
Property Address	20720 WINLOCK TRACE DR, KATY, TX 77450-7231
Document Number	0000035154
Instrument Date	Mar 31, 2017
Instrument	35154
Transaction Type	Transfer
Record Updated	Aug 17, 2018
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	20720 WINLOCK TRACE DR KATY TX 774507231, KATY, TX 77450-7231

Mortgage

Document Number	35155
Date	Apr 3, 2017
Instrument	35155

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

Source: Fort Bend County assessment roll, as of July 25, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fort Bend County
Unified School District	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,936.00 (-5.08%) Homeowner's exemption	$395,326 (+1.98%) Land $61,425 Building $333,901	$395,326 (-8.38%) Land $61,425 Building $333,901
2024	$6,254.00 (+8.03%) Homeowner's exemption	$387,636 (+1%) Land $61,425 Building $370,045	$431,470 (+14.65%) Land $61,425 Building $370,045
2023	$5,789.00 (+57.91%) Homeowner's exemption	$352,396 Land $47,250 Building $329,100	$376,350 Land $47,250 Building $329,100
2018	$3,666.00

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 August 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 policies
Nearby Flood Policies	133 in force
Nearby Flood Claims	40 (2017–2024)
Claims Outside the SFHA	40 of 40
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Hurricane Beryl, Jul 2024 · 2 claims Hurricane Harvey, Aug 2017 · 38 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	CINCO MUD 7 serves 4,239 people · EPA ID TX0790343
Water Source	Purchased groundwater from CINCO MUD 1
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 471 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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