2651 Cotton Dr, Katy, TX 77493 Property Records

Waller County property record for 2651 Cotton Dr, Katy, TX 77493

Property Summary

Property Type	Single Family Home
Details	2,958 sqft · built 2018
Lot Size	0.419 acres (18,269 sqft)
Owner	2 Individual Names on File
Last Sale	$462,600 (Apr 2019)
Tax Bill	$16,610 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422383-001-038-000`

Property Details

APN / Parcel Number

Primary APN	`422383-001-038-000`
Alternative APNs	`R255185` `255185`

Interior

Stories	1 Story
Building Area	2,958 sqft Living Area
1st Floor Area	2,958 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Lot Area	18,269 sqft (0.419 acres)
Garage Area	909 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	202 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Storage Building	90 sqft

Location & Zoning

Street Address	2651 COTTON DR
City	KATY
State	TX
Zip	77493-7111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S422383 CANE ISLAND 23 BLK 1 LOT 38 ACRES .4194
Legal Subdivision	CANE ISLAND 23
Legal Block	1
Legal Lot Number	38
Jurisdiction	WALLER TX
Township / Civil Division	BROOKSHIRE
Census Block Group	2
Census Block	2000
Census Tract	680100

Owner

2651 Cotton Dr is owned and occupied by two individuals who bought it in April 2019.

Source: Waller County records, as of May 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2651 COTTON DR, KATY, TX 77493-7111
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY MORTGAGE GROUP LLC
Apr 4, 2019	Vendor's Lien, Transfer CMC HOME LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Deed Document Number	20192685
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	2651 COTTON DR, KATY, TX 77493-7111
Transaction Type	Mortgage
Record Updated	Nov 2, 2021
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2112454
Date	Oct 25, 2021
Instrument	2112454

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	2651 COTTON DR, KATY, TX 77493-7111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NEW MILLENNIUM TITLE COMPANY, MILLENNIUM TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1908301
Date	Oct 2, 2019
Instrument	1908301

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

April 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WALLER TX
Recording Date	Apr 4, 2019
Property Address	2651 COTTON DR, KATY, TX 77493-7111
Document Number	1902685
Map Reference	FILE 1708598
Instrument Date	Mar 29, 2019
Instrument	1902685
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	NEW MILLENNIUM TITLE COMPANY, MILLENNIUM TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 COTTON DR, KATY, TX 77493-7111

Mortgage

Document Number	1902686
Date	Apr 4, 2019
Instrument	1902686

Lender

Name	CMC HOME LENDING
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 2651 Cotton Dr was $16,610 with a homeowner's exemption.

Source: Waller County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Katy City
County	Waller County
Unified School District	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,610.00 Homeowner's exemption	$640,000 Land $87,500 Building $552,500	$640,000 Land $87,500 Building $552,500
2023		$625,240 Land $87,500 Building $537,740	$625,240 Land $87,500 Building $537,740
2021	$231,579.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2651 Cotton Dr in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective May 26, 2025 · 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 785 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	785 in force
Nearby Flood Claims	55 (2016–2022)
Claims Outside the SFHA	37 of 55
Most Recent Claim	Sep 2022 · tidal / storm surge
Claims by Event	Hurricane Harvey, Aug 2017 · 49 claims Severe Storms And Flooding, Apr 2016 · 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

Wildfire risk around 2651 Cotton Dr is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF KATY serves 25,253 people · EPA ID TX1010017
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 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	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 514 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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