3206 Overcup Oat Ct, Katy, TX 77449 Property Records

Harris County property record for 3206 Overcup Oat Ct, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,795 sqft · built 2023
Lot Size	0.179 acres (7,804 sqft)
Owner	Individual Name on Record
Last Sale	$412,300 (Dec 2023)
Tax Bill	$9,690 (2025)
Deeds & Mortgages	Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145-704-003-0010`

Property Details

APN / Parcel Number

Primary APN	`145-704-003-0010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,795 sqft Living Area
1st Floor Area	1,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Lot Area	7,804 sqft (0.179 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1457040030010
Street Address	3206 OVERCUP OAT CT
City	KATY
State	TX
Zip	77449-6984
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 BLK 3 MORTON CREEK RANCH SEC 27
Legal Subdivision	MORTON CREEK RANCH SEC 27
Legal Block	3
Legal Lot Number	10
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2109
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	Individual Name on Record
Mailing Address	3206 OVERCUP OAT CT, KATY, TX 77449-6984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Deed Document Number	2023486754
Record Updated	Oct 29, 2026

December 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Dec 28, 2023
Property Address	3206 OVERCUP OAT CT, KATY, TX 77449-6984
Document Number	0000486754
Map Reference	MF 698598
Instrument Date	Dec 21, 2023
Instrument	2023-486754
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	SOUTH OAK TITLE LLC, SOUTH LAND TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 OVERCUP OAT CT, KATY, TX 77449-6984

Mortgage

Document Number	0000486755
Date	Dec 28, 2023
Instrument	2023-486755

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2039

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		$383,550 (-5.25%) Land $68,645 Building $314,905	$383,550 (-5.25%) Land $68,645 Building $314,905
2025	$9,690.00 (+66.04%) Homeowner's exemption	$404,788 (+768.64%) Land $68,645 Building $336,143	$404,788 (+768.64%) Land $68,645 Building $336,143
2024	$5,836.00 (+614.32%)
2023		$46,600 Land $46,600	$46,600 Land $46,600
2022	$817.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 1,172 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1,172 in force
Nearby Flood Claims	14 (2016–2024)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Hurricane Beryl, Jul 2024 · 3 claims Hurricane Harvey, Aug 2017 · 9 claims Severe Storms And Flooding, Apr 2016 · 2 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 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.03% 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 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 208 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 · Fiber in parts of the area	2,000 / 250

May also be available: AT&T, Verizon.

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