Harris County property record for 314 Whitecap Dr, El Lago, TX 77586
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,468 sqft · built 1967 |
| Lot Size | 0.269 acres (11,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Dec 2001) |
| Tax Bill | $5,389 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 097-112-000-0003 |
| Primary APN | 097-112-000-0003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,468 sqft Living Area |
| 1st Floor Area | 1,584 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 11,707 sqft (0.269 acres) |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 100 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0971120000003 |
|---|---|
| Street Address | 314 WHITECAP DR |
| City | EL LAGO |
| State | TX |
| Zip | 77586-5815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 3 BLK 3 EL LAGO ESTATES SEC 6 |
| Legal Subdivision | EL LAGO ESTATES SEC 6 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | SOUTHEAST HARRIS |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 341501 |
314 Whitecap Dr is owned and occupied by two individuals who bought it in December 2001.
Source: Harris County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 WHITECAP DR, EL LAGO, TX 77586-5815 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2001 · Amount on File |
| Deed Sale | Dec 3, 2001 · Amount on File |
| Deed Document Number | 2001454454 |
| Deed Book / Page | 54644 / 1795 |
| Prior Transfer Date | Nov 28, 2001 |
| Prior Transfer Doc | 000V454454 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 314 WHITECAP DR, EL LAGO, TX 77586-5815 |
| Document Number | 0000279161 |
| Instrument Date | Jun 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 314 WHITECAP DR EL LAGO TX 775865815, EL LAGO, TX 77586-5815 |
| Document Number | 0000279161 |
|---|---|
| Date | Jun 26, 2020 |
| Instrument | 279161 |
| Name | NEWREZ MTG |
|---|---|
| Address | FORT WASHINGTON, PA 19034 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 25, 2050 |
The 2025 property tax bill for 314 Whitecap Dr was $5,389 with a homeowner's exemption, up 41.8% from the year before.
Source: Harris County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Municipality | El Lago City |
| Unified School District | Clear Creek Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $294,570 (+1.87%) Land $91,292 Building $203,278 | $294,570 (+1.87%) Land $91,292 Building $203,278 | |
| 2025 | $5,389.00 (+41.82%) Homeowner's exemption | $289,158 Land $91,292 Building $197,866 | $289,158 Land $91,292 Building $197,866 |
| 2024 | $3,800.00 | ||
| 2023 | $305,132 Land $91,292 Building $213,840 | $305,132 Land $91,292 Building $213,840 | |
| 2022 | $3,609.00 | ||
| 2020 | $2,954.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Whitecap Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · 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 | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 257 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 257 in force |
| Nearby Flood Claims | 18 (2008–2024) |
| Claims Outside the SFHA | 7 of 18 |
| 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 314 Whitecap Dr 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 96% of the US · lower than 97.9% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | HARRIS COUNTY WCID 50 EL LAGO serves 3,924 people · EPA ID TX1010241 |
|---|---|
| Water Source | Purchased surface water from CITY OF SEABROOK |
| Last State Inspection | Mar 2023 |
| Lead | 15 ppb (2026) action level 15 ppb |
| Copper | 1.7 mg/L (2026) action level 1.3 mg/L |
| Water Quality | Di(2-ethylhexyl) phthalate resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 489 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 |
May also be available: Verizon.
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