Harris County property record for 20810 Sandy Bay Ln, Katy, TX 77449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,946 sqft · built 2005 |
| Lot Size | 0.141 acres (6,132 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $252,884 (May 2024) |
| Tax Bill | $3,595 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage May 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 126-028-005-0005 |
| Primary APN | 126-028-005-0005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,946 sqft Living Area |
| 1st Floor Area | 973 sqft |
| Game Room | Game Room |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 6,132 sqft (0.141 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1260280050005 |
|---|---|
| Street Address | 20810 SANDY BAY LN |
| City | KATY |
| State | TX |
| Zip | 77449-0173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 5 BLK 5 HIGHLAND CREEK RANCH SEC 4 |
| Legal Subdivision | HIGHLAND CREEK RANCH SEC 4 |
| Legal Block | 5 |
| Legal Lot Number | 5 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 542201 |
20810 Sandy Bay Ln is owned and occupied by two individuals who bought it in May 2024.
Source: Harris County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20810 SANDY BAY LN, KATY, TX 77449-0173 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| May 8, 2024 | Vendor's Lien, Transfer · FHA Mortgage SUCCESS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2024 · Amount on File |
| Deed Sale | May 8, 2024 · Amount on File |
| Prior Sale | Oct 21, 2015 |
| Deed Document Number | 2024167414 |
| Prior Transfer Date | Jul 19, 2013 |
| Prior Transfer Doc | 0000493307 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20810 SANDY BAY LN, KATY, TX 77449-0173 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT INC |
| Name | Verified Name |
|---|---|
| Address | 20810 SANDY BAY LN, KATY, TX 77449-0173 |
| Document Number | 0000007022 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026-7022 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | May 8, 2024 |
| Property Address | 20810 SANDY BAY LN, KATY, TX 77449-0173 |
| Document Number | 0000167414 |
| Map Reference | MF 568290 |
| Instrument Date | May 7, 2024 |
| Instrument | 2024-167414 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26717 WESTLEIM PKWY #208208, 208208, KATY, TX 77494 |
| Name | Verified Name |
|---|---|
| Address | 20810 SANDY BAY LN, KATY, TX 77449-0173 |
| Document Number | 0000167415 |
|---|---|
| Date | May 8, 2024 |
| Instrument | 2024-167415 |
| Name | SUCCESS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
The 2025 property tax bill for 20810 Sandy Bay Ln was $3,595 with a homeowner's exemption, up 90.2% from the year before.
Source: Harris County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Unified School District | Cypress-Fairbanks Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $264,594 (-) Land $54,192 Building $210,402 | $264,594 (-) Land $54,192 Building $210,402 | |
| 2025 | $3,595.00 (+90.21%) Homeowner's exemption | $264,594 (+5.84%) Land $54,192 Building $210,402 | $264,594 (+5.84%) Land $54,192 Building $210,402 |
| 2024 | $1,890.00 (+2.55%) | $250,000 (-6.83%) Land $54,192 Building $195,808 | $250,000 (-6.83%) Land $54,192 Building $195,808 |
| 2023 | $1,843.00 | $268,336 Land $54,192 Building $214,144 | $268,336 Land $54,192 Building $214,144 |
| 2022 | $1,843.00 | ||
| 2020 | $1,417.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20810 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 risk around 20810 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.
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 |
| 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.
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 |
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