2826 E Elm Cir, Katy, TX 77493 Property Records

Harris County property record for 2826 E Elm Cir, Katy, TX 77493

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,377 sqft · built 1986
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on File
Last Sale	$455,553 (May 2026)
Tax Bill	$2,338 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`114-953-000-0024`

Property Details

APN / Parcel Number

Primary APN	`114-953-000-0024`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,377 sqft Living Area
1st Floor Area	2,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Lot Area	16,000 sqft (0.367 acres)
View / Lot	Flood Plain
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1149530000024
Street Address	2826 E ELM CIR
City	KATY
State	TX
Zip	77493-1144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 24 PINE FOREST SEC 2
Legal Subdivision	PINE FOREST SEC 2
Legal Block	1
Legal Lot Number	24
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1011
Census Tract	542800

Owner

Source: Harris County records · APN 114-953-000-0024

Assessment roll updated May 26, 2026 · Last verified June 2026

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 File
Mailing Address	2826 E ELM CIR, KATY, TX 77493-1144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Sep 07, 1999 · Amount on Record
Deed Document Number	2026209486
Prior Transfer Date	Feb 13, 2004
Prior Transfer Doc	000X419280
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARRIS TX
Recording Date	May 28, 2026
Property Address	2826 E ELM CIR, KATY, TX 77493-1144
Document Number	0000209486
Instrument Date	May 27, 2026
Instrument	2026209486
Transaction Type	Transfer
Record Updated	Jun 05, 2026
Title Company	MONARCH TITLE/TX, MONARCH TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 E ELM CIR, KATY, TX 77493-1144

Mortgage

Document Number	0000209487,
Date	May 28, 2026
Instrument	2026209487

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Harris County records · Assessment roll updated May 26, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,338.00 (-60.01%) Homeowner's exemption	$350,689 (-7.16%) Land $92,000 Building $258,689	$350,689 (-7.16%) Land $92,000 Building $258,689
2024	$5,846.00 (+14.83%)
2023		$377,740 Land $86,400 Building $291,340	$377,740 Land $86,400 Building $291,340
2022	$5,091.00 (-1.22%)
2020	$5,154.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 259 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	259 in force
Nearby Flood Claims	170 (1987–2017)
Claims Outside the SFHA	64 of 170
Most Recent Claim	Sep 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Sep 2017 · 105 claims Severe Storms And Flooding, Apr 2016 · 51 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Consolidated Communications DSL · Fiber in parts of the area	250 / 40
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

Based on FCC filings for 285 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF KATY serves 25,253 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.