Harris County property record for 20938 Cullen Ranch Rd, Katy, TX 77449
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,985 sqft · built 2020 |
| Lot Size | 0.286 acres (12,451 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $228,400 (May 2021) |
| Tax Bill | $8,053 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 139-105-002-0012 |
| Primary APN | 139-105-002-0012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,985 sqft Living Area |
| 1st Floor Area | 1,496 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 12,451 sqft (0.286 acres) |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1391050020012 |
|---|---|
| Street Address | 20938 CULLEN RANCH RD |
| City | KATY |
| State | TX |
| Zip | 77449-2170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 12 BLK 2 MEADOWS AT WESTFIELD VILLAGE SEC 1 |
| Legal Subdivision | MEADOWS AT WESTFIELD VILLAGE SEC 1 |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 542202 |
20938 Cullen Ranch Rd is owned and occupied by two individuals who bought it in May 2021.
Source: Harris County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20938 CULLEN RANCH RD, KATY, TX 77449-2170 |
| 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 |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 17, 2021 | Vendor's Lien, Transfer · FHA Mortgage KBHS HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2021 · Amount on File |
| Deed Sale | May 17, 2021 · Amount on File |
| Deed Document Number | 2021269153 |
| Prior Transfer Date | May 13, 2021 |
| Prior Transfer Doc | 2021269153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 20938 CULLEN RANCH RD, KATY, TX 77449-2170 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000100754 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022-100754 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 293 Months |
| Due | Jul 1, 2046 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | May 17, 2021 |
| Property Address | 20938 CULLEN RANCH RD, KATY, TX 77449-2170 |
| Document Number | 2021269153 |
| Map Reference | MF 682490 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021-269153 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20938 CULLEN RANCH RD, KATY, TX 77449-2170 |
| Document Number | 2021269154 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021-269154 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2046 |
The 2025 property tax bill for 20938 Cullen Ranch Rd was $8,053 with a homeowner's exemption, up 195.6% 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 | $369,768 (-5.67%) Land $69,324 Building $300,444 | $369,768 (-5.67%) Land $69,324 Building $300,444 | |
| 2025 | $8,053.00 (+195.63%) Homeowner's exemption | $391,996 Land $69,324 Building $322,672 | $391,996 Land $69,324 Building $322,672 |
| 2024 | $2,724.00 | ||
| 2023 | $413,533 Land $69,324 Building $344,209 | $413,533 Land $69,324 Building $344,209 | |
| 2022 | $2,448.00 | ||
| 2020 | $169.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20938 Cullen Ranch Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2017.
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 95 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 95 in force |
| Nearby Flood Claims | 5 (2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2017 · Hurricane Harvey |
| Claims by Event |
|
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 20938 Cullen Ranch Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 87% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | NORTHWEST HARRIS COUNTY MUD 12 serves 7,764 people · EPA ID TX1011901 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 248 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 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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