2907 Mountain Elm Trl, Katy, TX 77493 Property Records

Harris County property record for 2907 Mountain Elm Trl, Katy, TX 77493

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,844 sqft · built 2017
Lot Size	0.192 acres (8,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,800 (May 2020)
Tax Bill	$12,168 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`138-501-003-0008`

Property Details

APN / Parcel Number

Primary APN	`138-501-003-0008`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,844 sqft Living Area
1st Floor Area	1,863 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	8,347 sqft (0.192 acres)
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	173 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1385010030008
Street Address	2907 MOUNTAIN ELM TRL
City	KATY
State	TX
Zip	77493-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 8 BLK 3 MORTON CREEK RANCH SEC 18
Legal Subdivision	MORTON CREEK RANCH SEC 18
Legal Block	3
Legal Lot Number	8
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3001
Census Tract	542902

Owner

Source: Harris County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2907 MOUNTAIN ELM TRL, KATY, TX 77493-3208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 18, 2020	Warranty Deed, Transfer AMERICA'S CHOICE HM LNS LP
Jan 2, 2018	Warranty Deed, Subdivision Related Transfer CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Prior Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	2020207467
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	2020207467
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	2907 MOUNTAIN ELM TRL, KATY, TX 77493-3208
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2907 MOUNTAIN ELM TRL, KATY, TX 77493-3208

Mortgage

Document Number	0000010380
Date	Jan 11, 2023
Instrument	2023-010380

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	468 Months
Due	Jan 3, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	May 18, 2020
Property Address	2907 MOUNTAIN ELM TRL, KATY, TX 77493-3208
Document Number	0000207467
Instrument Date	May 14, 2020
Instrument	207467
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2907 MOUNTAIN ELM TRL KATY TX 774933208, KATY, TX 77493-3208

Mortgage

Document Number	207468
Date	May 18, 2020
Instrument	207468

Lender

Name	AMERICA'S CHOICE HM LNS LP
Type	Funding / Finance Company
Address	HOUSTON, TX 77024

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jan 2, 2018
Property Address	2907 MOUNTAIN ELM TRL, KATY, TX 77493-3208
Document Number	0000002063
Instrument Date	Dec 27, 2017
Instrument	2063
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2018
Title Company	SOUTHLAND TITLE COMPANY, SOUTH LAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2907 MOUNTAIN ELM TRL KATY TX 774933208, KATY, TX 77493-3208

Mortgage

Document Number	2064
Date	Jan 2, 2018
Instrument	2064

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$482,412 (-2.34%) Land $78,248 Building $404,164	$482,412 (-2.34%) Land $78,248 Building $404,164
2025	$12,168.00 (+80.05%) Homeowner's exemption	$493,947 (+0.71%) Land $78,248 Building $415,699	$493,947 (+0.71%) Land $78,248 Building $415,699
2024	$6,758.00 (+15.66%)
2023		$490,475 Land $78,248 Building $412,227	$490,475 Land $78,248 Building $412,227
2022	$5,843.00 (-3.44%)
2020	$6,051.00

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
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 134 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	134 in force
Nearby Flood Claims	13 (2017–2018)
Claims Outside the SFHA	13 of 13
Most Recent Claim	Jun 2018 · other causes
Claims by Event	Hurricane Harvey, Aug 2017 · 12 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	Low lower than 98% of the US · lower than 98.8% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARRIS COUNTY MUD 432 serves 4,782 people · EPA ID TX1013378
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 693 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ezee Fiber Fiber	8,000 / 8,000
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

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

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