20826 Whitehaven Bluff Trl, Katy, TX 77449 Property Records

Harris County property record for 20826 Whitehaven Bluff Trl, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2017
Lot Size	0.133 acres (5,805 sqft)
Owner	2 Individual Names on File
Last Sale	$365,151 (Oct 2022)
Tax Bill	$5,382 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139-019-003-0010`

Property Details

APN / Parcel Number

Primary APN	`139-019-003-0010`
Alternative APN	`0471140000002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	5,805 sqft (0.133 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1390190030010
Street Address	20826 WHITEHAVEN BLUFF TRL
City	KATY
State	TX
Zip	77449-5492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 BLK 3 JASMINE HEIGHTS SEC 8
Legal Subdivision	JASMINE HEIGHTS SEC 8
Legal Block	3
Legal Lot Number	10
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3000
Census Tract	542203

Owner

20826 Whitehaven Bluff Trl is owned and occupied by two individuals who bought it in October 2022.

Source: Harris County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20826 WHITEHAVEN BLUFF TRL, KATY, TX 77449-5492
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Vendor's Lien, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 26, 2018	Deed of Trust, Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	2022528688
Prior Transfer Date	Apr 26, 2018
Prior Transfer Doc	2018180942
Record Updated	Oct 29, 2026

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Oct 28, 2022
Property Address	20826 WHITEHAVEN BLUFF TRL, KATY, TX 77449-5492
Document Number	0000528688
Map Reference	MF 682135
Instrument Date	Oct 27, 2022
Instrument	2022-528688
Transaction Type	Transfer
Record Updated	Nov 7, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20826 WHITEHAVEN BLUFF TRL, KATY, TX 77449-5492
Investor	Possibly a Property Investor

Mortgage

Document Number	0000528689
Date	Oct 28, 2022
Instrument	2022-528689

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	20826 WHITEHAVEN BLUFF TRL, KATY, TX 77449-5492
Document Number	0000180943
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	DHI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20826 WHITEHAVEN BLUFF TRL KATY TX 774495492, KATY, TX 77449-5492

Mortgage

Document Number	0000180943
Date	Apr 27, 2018
Instrument	180943

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20826 Whitehaven Bluff Trl was $5,382 with a homeowner's exemption, up 197.5% from the year before.

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		$263,069 (-4.98%) Land $56,688 Building $206,381	$263,069 (-4.98%) Land $56,688 Building $206,381
2025	$5,382.00 (+197.51%) Homeowner's exemption	$276,854 Land $51,434 Building $225,420	$276,854 Land $51,434 Building $225,420
2024	$1,809.00
2023		$289,000 Land $51,434 Building $237,566	$289,000 Land $51,434 Building $237,566
2022	$1,815.00
2020	$1,521.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20826 Whitehaven Bluff Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2016.

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 62 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	6 (2016–2017)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 5 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

Wildfire risk around 20826 Whitehaven Bluff Trl is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 105 serves 14,925 people · EPA ID TX1011227
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 792 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: T-Mobile.

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