3431 Arrowhead Bay Ln, Katy, TX 77449 Property Records

Harris County property record for 3431 Arrowhead Bay Ln, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,304 sqft · built 2013
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$344,137 (Dec 2024)
Tax Bill	$9,575 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`133-776-001-0026`

Property Details

APN / Parcel Number

Primary APN	`133-776-001-0026`
Alternative APN	`0471050000001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,304 sqft Living Area
1st Floor Area	1,658 sqft
Game Room	Game Room

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	6,000 sqft (0.138 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1337760010026
Street Address	3431 ARROWHEAD BAY LN
City	KATY
State	TX
Zip	77449-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 26 BLK 1 WATERSTONE SEC 4
Legal Subdivision	WATERSTONE SEC 4
Legal Block	1
Legal Lot Number	26
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3012
Census Tract	542901

Owner

3431 Arrowhead Bay Ln is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3431 ARROWHEAD BAY LN, KATY, TX 77449-1464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Apr 26, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Sep 27, 2017	Warranty Deed, Transfer · FHA Mortgage LAND HM FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2024 · Amount on File
Deed Sale	Dec 31, 2024 · Amount on File
Prior Sale	Sep 27, 2017 · Amount on File
Deed Document Number	2024487439
Prior Transfer Date	Sep 25, 2017
Prior Transfer Doc	0000425373
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3431 ARROWHEAD BAY LN, KATY, TX 77449-1464
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 ARROWHEAD BAY LN, KATY, TX 77449-1464

Mortgage

Document Number	0000218875
Date	Apr 26, 2022
Instrument	2022-218875

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Sep 27, 2017
Property Address	3431 ARROWHEAD BAY LN, KATY, TX 77449-1464
Document Number	0000425373
Instrument Date	Sep 25, 2017
Instrument	425373
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 ARROWHEAD BAY LN KATY TX 774491464, KATY, TX 77449-1464

Mortgage

Document Number	425374
Date	Sep 27, 2017
Instrument	425374

Lender

Name	LAND HM FIN'L
Type	Funding / Finance Company
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3431 Arrowhead Bay Ln was $9,575, up 54.4% from the year before.

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		$330,659 (-4.48%) Land $55,204 Building $275,455	$330,659 (-4.48%) Land $55,204 Building $275,455
2025	$9,575.00 (+54.36%)	$346,169 Land $55,204 Building $290,965	$346,169 Land $55,204 Building $290,965
2024	$6,203.00
2023		$357,999 Land $55,204 Building $302,795	$357,999 Land $55,204 Building $302,795
2022	$6,281.00
2020	$4,759.00

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

Flood

FEMA maps place 3431 Arrowhead Bay Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File median of 117 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	117 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2017 · Hurricane Harvey

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 3431 Arrowhead Bay Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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 287 serves 6,864 people · EPA ID TX1013385
Water Source	Purchased groundwater from HARRIS COUNTY MUD 71
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2024–2026) 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 451 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: Spectrum, Verizon.

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