20810 Winlock Trace Dr, Katy, TX 77450 Property Records

Fort Bend County property record for 20810 Winlock Trace Dr, Katy, TX 77450

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,661 sqft · built 1999
Lot Size	0.198 acres (8,667 sqft)
Owner	Individual Name on Record
Tax Bill	$6,364 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`R215346`

Property Details

APN / Parcel Number

Primary APN	`R215346`
Alternative APN	`2274-05-002-0320-914`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,661 sqft Living Area
1st Floor Area	1,433 sqft
2nd Floor Area	1,228 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	8,667 sqft (0.198 acres)
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	229 sqft
Patio Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R215346
Street Address	20810 WINLOCK TRACE DR
City	KATY
State	TX
Zip	77450-7234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CINCO RANCH MEADOW PLACE SEC 5, BLOCK 2, LOT 32
Legal Subdivision	CINCO RANCH MEADOW PLACE SEC 5
Legal Block	2
Legal Lot Number	32
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	Individual Name on Record
Mailing Address	20810 WINLOCK TRACE DR, KATY, TX 77450-7234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage EUSTIS MORTGAGE CORP
Jan 4, 2022	Special Warranty Deed, Transfer · Conventional Mortgage EUSTIS MORTGAGE CORP
Nov 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 11, 2018	Loan Modification, Mortgage MB FIN'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022
Deed Sale	Jan 4, 2022
Prior Sale	Nov 4, 2019
Deed Document Number	2022001530
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	20810 WINLOCK TRACE DR, KATY, TX 77450-7234
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007072
Date	Jan 14, 2022
Instrument	2022007072

Lender

Name	EUSTIS MORTGAGE CORP
Type	Mortgage Company
Address	HOUSTON, TX 77084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FORT BEND TX
Recording Date	Jan 4, 2022
Property Address	20810 WINLOCK TRACE DR, KATY, TX 77450-7234
Document Number	0000001530
Instrument Date	Jan 3, 2022
Instrument	2022001530
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8900 PALADORA PARK LN, HOUSTON, TX 77083-5095

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	20810 WINLOCK TRACE DR, KATY, TX 77450-7234

Mortgage

Document Number	0000007072
Date	Jan 4, 2022
Instrument	2022007072

Lender

Name	EUSTIS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FORT BEND TX
Recording Date	Nov 4, 2019
Property Address	20810 WINLOCK TRACE DR, KATY, TX 77450-7234
Document Number	0000126315
Instrument Date	Oct 26, 2019
Instrument	126315
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20810 WINLOCK TRACE DR KATY TX 774507234, KATY, TX 77450-7234

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FORT BEND TX
Property Address	20810 WINLOCK TRACE DR, KATY, TX 77450-7234
Document Number	0000105771
Instrument Date	Aug 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple

Mortgage

Document Number	0000105771
Date	Sep 17, 2018
Instrument	105771

Lender

Name	MB FIN'L BK
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Sep 16, 2046

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$6,364.00 (-0.61%) Homeowner's exemption	$417,893 (+5.66%) Land $58,500 Building $359,393	$417,893 (-6.82%) Land $58,500 Building $359,393
2024	$6,403.00 (+7.99%) Homeowner's exemption	$395,489 (+1%) Land $58,500 Building $389,970	$448,470 (+16.89%) Land $58,500 Building $389,970
2023	$5,929.00 (+55.25%) Homeowner's exemption	$359,535 Land $45,000 Building $338,667	$383,667 Land $45,000 Building $338,667
2018	$3,819.00

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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