3503 Emerald Bay Cir, Katy, TX 77449 Property Records

Harris County property record for 3503 Emerald Bay Cir, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,741 sqft · built 1995
Lot Size	0.257 acres (11,207 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Dec 2016)
Tax Bill	$5,553 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`117-793-002-0024`

Property Details

APN / Parcel Number

Primary APN	`117-793-002-0024`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,741 sqft Living Area
1st Floor Area	1,199 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	11,207 sqft (0.257 acres)
View / Lot	Primary
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	42 sqft
Patio Area	900 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1177930020024
Street Address	3503 EMERALD BAY CIR
City	KATY
State	TX
Zip	77449-3891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 24 BLK 2 LAKES OF BRIDGEWATER SEC 1
Legal Subdivision	LAKES OF BRIDGEWATER SEC 1
Legal Block	2
Legal Lot Number	24
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2009
Census Tract	542305

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3503 EMERALD BAY CIR, KATY, TX 77449-3891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2016 · Amount on Record
Deed Sale	Dec 16, 2016 · Amount on Record
Prior Sale	May 1, 1996 · Amount on Record
Deed Document Number	2016564227
Prior Transfer Date	Dec 15, 2016
Prior Transfer Doc	0000564227
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3503 EMERALD BAY CIR, KATY, TX 77449-3891
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021652692
Date	Nov 11, 2021
Instrument	2021-652692

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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		$286,427 (-1.59%) Land $53,422 Building $233,005	$286,427 (-1.59%) Land $53,422 Building $233,005
2025	$5,553.00 (+53.27%) Homeowner's exemption	$291,057 (-5.5%) Land $53,422 Building $237,635	$291,057 (-5.5%) Land $53,422 Building $237,635
2024	$3,623.00 (+18.86%)
2023		$307,986 Land $53,422 Building $254,564	$307,986 Land $53,422 Building $254,564
2022	$3,048.00 (-11.75%)
2020	$3,454.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	35 in force

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 94% of the US · lower than 97.4% 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 71 serves 17,079 people · EPA ID TX1011823
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 ppb (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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 597 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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