20951 Oat Straw Ln, Katy, TX 77449 Property Records

Harris County property record for 20951 Oat Straw Ln, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 2022
Lot Size	0.175 acres (7,627 sqft)
Owner	Individual Name on Record
Last Sale	$258,560 (Feb 2023)
Tax Bill	$6,996 (2025)
Deeds & Mortgages	Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145-340-001-0040`

Property Details

APN / Parcel Number

Primary APN	`145-340-001-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,687 sqft Living Area
1st Floor Area	1,687 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Lot Area	7,627 sqft (0.175 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1453400010040
Street Address	20951 OAT STRAW LN
City	KATY
State	TX
Zip	77449-6932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 40 BLK 1 MEADOWS AT WESTFIELD VILLAGE SEC 6
Legal Subdivision	MEADOWS AT WESTFIELD VILLAGE SEC 6
Legal Block	1
Legal Lot Number	40
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2010
Census Tract	542202

Owner

Source: Harris County records, as of October 13, 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	20951 OAT STRAW LN, KATY, TX 77449-6932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2023 · Amount on Record
Deed Sale	Feb 9, 2023 · Amount on Record
Deed Document Number	202344030
Record Updated	Oct 29, 2026

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Feb 9, 2023
Property Address	20951 OAT STRAW LN, KATY, TX 77449-6932
Document Number	0000044030
Map Reference	MF 697590
Instrument Date	Jan 31, 2023
Instrument	2023-044030
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	FIRST AMER TTL HOMEBUILDER S

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20951 OAT STRAW LN, KATY, TX 77449-6932

Mortgage

Document Number	0000044031
Date	Feb 9, 2023
Instrument	2023-044031

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company
Address	IRVING, TX 75039
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.99%
Index	Other
Margin	3
Max Rate	9.99%

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	Cypress-Fairbanks Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$279,462 (-3.31%) Land $63,680 Building $215,782	$279,462 (-3.31%) Land $63,680 Building $215,782
2025	$6,996.00 (+206.44%)	$289,041 (-4.29%) Land $63,680 Building $225,361	$289,041 (-4.29%) Land $63,680 Building $225,361
2024	$2,283.00 (+48.73%)	$301,986 (+35.09%) Land $63,680 Building $238,306	$301,986 (+35.09%) Land $63,680 Building $238,306
2023	$1,535.00	$223,546 Land $63,680 Building $159,866	$223,546 Land $63,680 Building $159,866
2022	$1,535.00

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 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 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	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

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

Wildfire Risk	Moderate above 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.07% 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	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

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 553 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