315 Whitecap Dr, El Lago (Seabrook), TX 77586 Property Records

Harris County property record for 315 Whitecap Dr, El Lago, TX 77586

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1966
Lot Size	0.197 acres (8,580 sqft)
Owner	Individual Name on File
Last Sale	$291,859 (Jul 2024)
Tax Bill	$6,767 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Aug 2018 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`097-110-000-0004`

Property Details

APN / Parcel Number

Primary APN	`097-110-000-0004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,808 sqft Living Area
1st Floor Area	1,808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2023
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	8,580 sqft (0.197 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0971100000004
Street Address	315 WHITECAP DR
City	EL LAGO
State	TX
Zip	77586-5814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 BLK 1 EL LAGO ESTATES SEC 6
Legal Subdivision	EL LAGO ESTATES SEC 6
Legal Block	1
Legal Lot Number	4
Jurisdiction	HARRIS TX
Township / Civil Division	SOUTHEAST HARRIS
Census Block Group	4
Census Block	4009
Census Tract	341501

Owner

315 Whitecap Dr is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	315 WHITECAP DR, EL LAGO, TX 77586-5814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Aug 16, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 18, 2017	Warranty Deed, Transfer CAPITAL TITLE
Jul 18, 2017	Quit Claim Deed, Transfer CAPITAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2024 · Amount on File
Deed Sale	Jul 16, 2024 · Amount on File
Prior Sale	Jul 18, 2017
Deed Document Number	2024254384
Prior Transfer Date	Jul 10, 2017
Prior Transfer Doc	0000319197
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	315 WHITECAP DR, EL LAGO, TX 77586-5814
Transaction Type	Mortgage
Record Updated	Feb 7, 2023
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000375829
Date	Aug 16, 2018
Instrument	2018-375829

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	315 WHITECAP DR, EL LAGO, TX 77586-5814
Document Number	0000375830
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WHITECAP DR EL LAGO TX 775865814, EL LAGO, TX 77586-5814

Mortgage

Document Number	0000375830
Date	Aug 16, 2018
Instrument	375830

Lender

Name	BANK OF AMERICA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jul 18, 2017
Property Address	315 WHITECAP DR, EL LAGO, TX 77586-5814
Document Number	0000319198
Instrument Date	Jul 14, 2017
Instrument	319198
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	CAPITAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WHITECAP DR EL LAGO TX 775865814, EL LAGO, TX 77586-5814

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARRIS TX
Recording Date	Jul 18, 2017
Property Address	315 WHITECAP DR, EL LAGO, TX 77586-5814
Document Number	0000319197
Instrument Date	Jul 10, 2017
Instrument	319197
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WHITECAP DR EL LAGO TX 775865814, EL LAGO, TX 77586-5814

Tax Assessment & Valuation

The 2025 property tax bill for 315 Whitecap Dr was $6,767, up 93.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Municipality	El Lago City
Unified School District	Clear Creek Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$266,892 (+0.66%) Land $77,220 Building $189,672	$266,892 (+0.66%) Land $77,220 Building $189,672
2025	$6,767.00 (+93.84%)	$265,129 Land $77,220 Building $187,909	$265,129 Land $77,220 Building $187,909
2024	$3,491.00
2023		$252,755 Land $77,220 Building $175,535	$252,755 Land $77,220 Building $175,535
2022	$3,530.00
2020	$2,987.00

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

Flood

FEMA maps place 315 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	Hurricane Harvey, Sep 2017 · 11 claims Hurricane Ike, Sep 2008 · 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 315 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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