20807 Penny Rock Ct, Katy, TX 77449 Property Records

Harris County property record for 20807 Penny Rock Ct, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,216 sqft · built 2009
Lot Size	0.122 acres (5,299 sqft)
Owner	Individual Name on Record
Last Sale	$125,400 (Jun 2009)
Tax Bill	$5,080 (2025)
Deeds & Mortgages	Apr 2024 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`128-311-002-0037`

Property Details

APN / Parcel Number

Primary APN	`128-311-002-0037`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,216 sqft Living Area
1st Floor Area	900 sqft
Game Room	Game Room

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Construction Type	Brick
Lot Area	5,299 sqft (0.122 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1283110020037
Street Address	20807 PENNY ROCK CT
City	KATY
State	TX
Zip	77449-4775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 37 BLK 2 BRIDGEWATER MEADOW SEC 3
Legal Subdivision	BRIDGEWATER MEADOW SEC 3
Legal Block	2
Legal Lot Number	37
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1003
Census Tract	542305

Owner

Source: Harris County records, as of May 26, 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	20807 PENNY ROCK CT, KATY, TX 77449-4775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
May 26, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Sep 1, 2018	Loan Modification, Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2009 · Amount on Record
Deed Sale	Jun 26, 2009 · Amount on Record
Prior Sale	Jun 26, 2009
Deed Document Number	2009279441
Deed Book / Page	1236 / 1166
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20807 PENNY ROCK CT, KATY, TX 77449-4775
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20807 PENNY ROCK CT, KATY, TX 77449-4775

Mortgage

Document Number	0000140267
Date	Apr 19, 2024
Instrument	2024-140267

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	292 Months
Due	Aug 1, 2048

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20807 PENNY ROCK CT, KATY, TX 77449-4775
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20807 PENNY ROCK CT, KATY, TX 77449-4775

Mortgage

Document Number	2021293151
Date	May 26, 2021
Instrument	2021-293151

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Aug 1, 2048

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	20807 PENNY ROCK CT, KATY, TX 77449-4775
Document Number	0000443831
Instrument Date	Sep 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20807 PENNY ROCK CT KATY TX 774494775, KATY, TX 77449-4775

Mortgage

Document Number	0000443831
Date	Sep 27, 2018
Instrument	443831

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Harris County assessment roll, as of May 26, 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
2025	$5,080.00 (+52.87%) Homeowner's exemption	$271,741 (-9.88%) Land $49,796 Building $221,945	$271,741 (-9.88%) Land $49,796 Building $221,945
2024	$3,323.00 (+19.36%)
2023		$301,546 Land $49,796 Building $251,750	$301,546 Land $49,796 Building $251,750
2022	$2,784.00 (-14.02%)
2020	$3,238.00

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 28 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2017 · Hurricane Harvey

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ezee Fiber, Hotwire Communications, Spectrum.

Nearby Properties on Penny Rock Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures