20915 Winlock Trace Dr, Katy, TX 77450 Property Records

Fort Bend County property record for 20915 Winlock Trace Dr, Katy, TX 77450

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,128 sqft · built 1999
Lot Size	0.173 acres (7,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,500 (Oct 2005)
Tax Bill	$6,057 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R215312`

Property Details

APN / Parcel Number

Primary APN	`R215312`
Alternative APN	`2274-05-001-0430-914`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,545 sqft (0.173 acres)
View / Lot	Interior
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20915 WINLOCK TRACE DR
City	KATY
State	TX
Zip	77450-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CINCO RANCH MEADOW PLACE SEC 5, BLOCK 1, LOT 43
Legal Subdivision	CINCO RANCH MEADOW PLACE SEC 5
Legal Block	1
Legal Lot Number	43
Jurisdiction	FORT BEND TX
Township / Civil Division	FULSHEAR-SIMONTON
Census Block Group	3
Census Block	3002
Census Tract	673008

Owner

Source: Fort Bend County records, as of September 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20915 WINLOCK TRACE DR, KATY, TX 77450-7243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage GOODLEAP LLC
Nov 3, 2017	Deed of Trust, Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2005 · Amount on Record
Deed Sale	Oct 28, 2005 · Amount on Record
Prior Sale	Oct 7, 1999 · Amount on Record
Deed Document Number	2005131573
Prior Transfer Date	Sep 30, 1999
Prior Transfer Doc	0000088671
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	20915 WINLOCK TRACE DR, KATY, TX 77450-7243
Transaction Type	Mortgage
Record Updated	Mar 10, 2022
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011476
Date	Jan 25, 2022
Instrument	2022011476

Lender

Name	GOODLEAP LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	20915 WINLOCK TRACE DR, KATY, TX 77450-7243
Document Number	0000129819
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20915 WINLOCK TRACE DR KATY TX 774507243, KATY, TX 77450-7243

Mortgage

Document Number	0000129819
Date	Nov 27, 2017
Instrument	129819

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2047

Tax Assessment & Valuation

Source: Fort Bend County assessment roll, as of September 2, 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	$6,057.00 (+3.95%) Homeowner's exemption	$401,722 (+1%) Land $58,500 Building $353,023	$411,523 (-0.4%) Land $58,500 Building $353,023
2024	$5,827.00 (+8.11%) Homeowner's exemption	$365,202 (+1%) Land $58,500 Building $354,664	$413,164 (+15.93%) Land $58,500 Building $354,664
2023	$5,390.00 (+84.72%) Homeowner's exemption	$332,002 Land $45,000 Building $311,403	$356,403 Land $45,000 Building $311,403
2018	$2,918.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.02% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Winlock Trace Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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