2904 Ferndale St, Houston, TX 77098 Property Records

Harris County property record for 2904 Ferndale St, Houston, TX 77098

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,436 sqft · built 2019
Lot Size	0.103 acres (4,482 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,004,150 (Dec 2025)
Tax Bill	$32,367 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-017-004-0008`

Property Details

APN / Parcel Number

Primary APN	`064-017-004-0008`
Alternative APN	`064-017-003-0002`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,436 sqft Living Area
1st Floor Area	1,636 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	4,482 sqft (0.103 acres)
View / Lot	Neighborhood
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	240 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0640170040008
Street Address	2904 FERNDALE ST
City	HOUSTON
State	TX
Zip	77098-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 BLK 1 KERRS FERNDALE 2ND PAR R/P
Legal Subdivision	KERRS FERNDALE 2ND PAR R/P
Legal Block	1
Legal Lot Number	1
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2005
Census Tract	411001

Owner

Source: Harris County records, as of September 29, 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 Record
Mailing Address	2904 FERNDALE ST, HOUSTON, TX 77098-1118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on Record
Deed Sale	Dec 2, 2025 · Amount on Record
Prior Sale	Dec 18, 1995
Deed Document Number	2025473806
Prior Transfer Date	Nov 24, 2025
Prior Transfer Doc	0000473806
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	2904 FERNDALE ST, HOUSTON, TX 77098-1118
Document Number	0000555548
Instrument Date	Dec 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2904 FERNDALE ST HOUSTON TX 770981118, HOUSTON, TX 77098-1118

Mortgage

Document Number	0000555548
Date	Dec 12, 2018
Instrument	555548

Lender

Name	INDEPENDENT BK
Type	Bank
Address	HOUSTON, TX 77057

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Dec 11, 2025

Tax Assessment & Valuation

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,638,400 (+14.75%) Land $238,300 Building $2,400,100	$2,638,400 (+14.75%) Land $238,300 Building $2,400,100
2025	$32,367.00 (-0.94%) Homeowner's exemption	$2,299,272 (-0.93%) Land $448,200 Building $1,851,072	$2,299,272 (-0.93%) Land $448,200 Building $1,851,072
2024	$32,675.00 (-2.54%)
2023		$2,320,830 Land $448,200 Building $1,872,630	$2,320,830 Land $448,200 Building $1,872,630
2022	$33,528.00 (-6.58%)
2020	$35,888.00

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2024 · Hurricane Beryl

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	Not rated no burnable land within ember reach

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 HOUSTON serves 2,970,543 people · EPA ID TX1010013
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · May 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20