Galveston County property record for 23 Harbor Ln, Kemah, TX 77565
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,792 sqft · built 1980 |
| Lot Size | 0.181 acres (7,891 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Jun 2023) |
| Tax Bill | $3,615 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 4595-0000-0023-000 |
| Primary APN | 4595-0000-0023-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,792 sqft Living Area |
| Gross Area | 3,232 sqft |
| 1st Floor Area | 1,196 sqft |
| 2nd Floor Area | 1,596 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 7,891 sqft (0.181 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 48 sqft |
| Patio Area | 312 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 23 HARBOR LN |
|---|---|
| City | KEMAH |
| State | TX |
| Zip | 77565-2649 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ABST 18 M MULDOON SUR S 40 FT OF LOT 23 & N 10 FT OF LOT 24 (23-0) LAZY BEND REPLAT |
| Legal Subdivision | LAZY BEND |
| Legal Block | 1 |
| Legal Lot Number | 23,24 |
| Jurisdiction | GALVESTON TX |
| Township / Civil Division | TEXAS CITY-LEAGUE CITY |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 721503 |
23 Harbor Ln is owned and occupied by an individual who bought it in June 2023.
Source: Galveston County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 HARBOR LN, KEMAH, TX 77565-2649 |
| 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 |
|---|---|
| Jun 14, 2023 | Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA COMMERCIAL |
| Jun 3, 2019 | Warranty Deed, Transfer CERTAINTY HM LNS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2023 · Amount on File |
| Deed Sale | Jun 14, 2023 · Amount on File |
| Prior Sale | Aug 3, 1998 · Amount on File |
| Deed Document Number | 202327521 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GALVESTON TX |
| Recording Date | Jun 14, 2023 |
| Property Address | 23 HARBOR LN, KEMAH, TX 77565-2649 |
| Document Number | 0000027521 |
| Map Reference | VOL 254-A PG 84 |
| Instrument Date | Jun 6, 2023 |
| Instrument | 2023027521 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000027522 |
|---|---|
| Date | Jun 14, 2023 |
| Instrument | 2023027522 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GALVESTON TX |
| Property Address | 23 HARBOR LN, KEMAH, TX 77565-2649 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000037910 |
|---|---|
| Date | May 25, 2021 |
| Instrument | 2021037910 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 8, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GALVESTON TX |
| Recording Date | Jun 3, 2019 |
| Property Address | 23 HARBOR LN, KEMAH, TX 77565-2649 |
| Document Number | 0000028848 |
| Instrument Date | May 30, 2019 |
| Instrument | 28848 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO (HOUSTON) |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 22 HARBOR LN KEMAH TX 775652648, KEMAH, TX 77565-2648 |
| Document Number | 28849 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 28849 |
| Name | CERTAINTY HM LNS LLC |
|---|---|
| Address | PLANO, TX 75093 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 2, 2049 |
The 2025 property tax bill for 23 Harbor Ln was $3,615 with a homeowner's exemption, down 7.7% from the year before.
Source: Galveston County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Galveston County |
| Unified School District | Clear Creek Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $375,000 (-) Land $144,330 Building $230,670 | $375,000 (-) Land $144,330 Building $230,670 | |
| 2025 | $3,615.00 (-7.71%) Homeowner's exemption | $375,000 Land $144,330 Building $230,670 | $375,000 Land $144,330 Building $230,670 |
| 2024 | $3,917.00 | ||
| 2023 | $459,790 (+0.35%) Land $132,960 Building $326,830 | $459,790 (+0.35%) Land $132,960 Building $326,830 | |
| 2022 | $6,710.00 | $458,180 Land $132,960 Building $325,220 | $458,180 Land $132,960 Building $325,220 |
| 2018 | $2,056.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Harbor Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 28, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 14.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 477 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 584 units insured incl. 107 condo units |
| Nearby Flood Claims | 126 (1998–2024) |
| Most Recent Claim | Jul 2024 · Hurricane Beryl |
| 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 23 Harbor Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GALVESTON COUNTY WCID 12 serves 8,721 people · EPA ID TX0840031 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 474 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Rural Telecommunications of America Fixed Wireless | 300 / 150 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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