20827 Penny Rock Ct, Katy, TX 77449 Property Records

Harris County property record for 20827 Penny Rock Ct, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,420 sqft · built 2009
Lot Size	0.119 acres (5,175 sqft)
Owner	Individual Name on Record
Tax Bill	$94 (2025)
Deeds & Mortgages	Jul 2025 Sale Feb 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`128-311-002-0032`

Property Details

APN / Parcel Number

Primary APN	`128-311-002-0032`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,420 sqft Living Area
1st Floor Area	1,010 sqft
Game Room	Game Room

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	5,175 sqft (0.119 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1283110020032
Street Address	20827 PENNY ROCK CT
City	KATY
State	TX
Zip	77449-4775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 32 BLK 2 BRIDGEWATER MEADOW SEC 3
Legal Subdivision	BRIDGEWATER MEADOW SEC 3
Legal Block	2
Legal Lot Number	32
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1003
Census Tract	542305

Owner

Source: Harris County records, as of September 29, 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	20827 PENNY ROCK CT, KATY, TX 77449-4775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2025	Special Warranty Deed, Transfer LAWYERS TITLE
Feb 20, 2025	Warranty Deed, Transfer CAPITAL TITLE
Feb 10, 2025	Warranty Deed, Transfer FIRST AMERICAN TITLE
Oct 10, 2018	Loan Modification, Mortgage OCWEN LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2025
Deed Sale	Jul 28, 2025
Prior Sale	Feb 20, 2025
Deed Document Number	2025292446
Prior Transfer Date	Sep 24, 2009
Prior Transfer Doc	0000440666
Record Updated	Oct 29, 2026

July 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jul 28, 2025
Property Address	20827 PENNY ROCK CT, KATY, TX 77449-4775
Document Number	0000292446
Map Reference	MF 601242
Instrument Date	Jul 24, 2025
Instrument	2025-292446
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5050 QUORUM DR STE 225, 225, DALLAS, TX 75254-7022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5050 QUORUM DR STE 225, 225, DALLAS, TX 75254-7022

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Feb 20, 2025
Property Address	20827 PENNY ROCK CT, KATY, TX 77449-4775
Document Number	0000060910
Map Reference	MF 601242
Instrument Date	Feb 18, 2025
Instrument	2025-60910
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 S FARMER AVE # AVE500, AVE500, TEMPE, AZ 85281-2875

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5050 QUORUM DR STE 225, 225, DALLAS, TX 75254-7022
Investor	Possibly a Property Investor

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Feb 10, 2025
Property Address	20827 PENNY ROCK CT, KATY, TX 77449-4775
Document Number	0000047343
Map Reference	MF 601242
Instrument Date	Feb 4, 2025
Instrument	2025-47343
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20827 PENNY ROCK CT, KATY, TX 77449-4775

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	20827 PENNY ROCK CT, KATY, TX 77449-4775
Document Number	0000471907
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20827 PENNY ROCK CT KATY TX 774494775, KATY, TX 77449-4775

Mortgage

Document Number	0000471907
Date	Oct 16, 2018
Instrument	471907

Lender

Name	OCWEN LN SERVICING
Type	Funding / Finance Company
Address	WEST PALM BEACH, FL 33407

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Harris County assessment roll, as of September 29, 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
2026		$283,657 (-1.29%) Land $49,673 Building $233,984	$283,657 (-1.29%) Land $49,673 Building $233,984
2025	$94.00 Homeowner's exemption Veteran's exemption	$287,360 (-9.45%) Land $49,673 Building $237,687	$287,360 (-9.45%) Land $49,673 Building $237,687
2023		$317,354 Land $49,673 Building $267,681	$317,354 Land $49,673 Building $267,681

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 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 886 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

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