3515 Emerald Bay Cir, Katy, TX 77449 Property Records

Harris County property record for 3515 Emerald Bay Cir, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,448 sqft · built 1996
Lot Size	0.157 acres (6,850 sqft)
Owner	Individual Name on Record
Tax Bill	$6,146 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`117-793-002-0021`

Property Details

APN / Parcel Number

Primary APN	`117-793-002-0021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,448 sqft Living Area
1st Floor Area	1,260 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	6,850 sqft (0.157 acres)
View / Lot	Primary
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1177930020021
Street Address	3515 EMERALD BAY CIR
City	KATY
State	TX
Zip	77449-3891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 21 BLK 2 LAKES OF BRIDGEWATER SEC 1
Legal Subdivision	LAKES OF BRIDGEWATER SEC 1
Legal Block	2
Legal Lot Number	21
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 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	3315 EMERALD BAY CIR, KATY, TX 77449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 24, 2022	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Jun 29, 2018	Vendor's Lien, Transfer · FHA Mortgage GREAT WESTERN FINANCIAL SERVICES IN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2025
Deed Sale	Apr 30, 2025
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	2025160619
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3515 EMERALD BAY CIR, KATY, TX 77449-3891
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 EMERALD BAY CIR, KATY, TX 77449-3891

Mortgage

Document Number	0000509955
Date	Oct 17, 2022
Instrument	2022-509955

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3515 EMERALD BAY CIR, KATY, TX 77449-3891
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000269943
Date	May 24, 2022
Instrument	2022-269943

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Nov 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3515 EMERALD BAY CIR, KATY, TX 77449-3891
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018403
Date	Jan 12, 2021
Instrument	2021-018403

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage

June 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Jun 29, 2018
Property Address	3515 EMERALD BAY CIR, KATY, TX 77449-3891
Document Number	0000294307
Map Reference	PL 357025
Instrument Date	Jun 29, 2018
Instrument	2018-294307
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 EMERALD BAY CIR, KATY, TX 77449-3891

Mortgage

Document Number	0000294308
Date	Jun 29, 2018
Instrument	2018-294308

Lender

Name	GREAT WESTERN FINANCIAL SERVICES IN
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$268,584 (-2.77%) Land $49,588 Building $218,996	$268,584 (-2.77%) Land $49,588 Building $218,996
2025	$6,146.00 (+47.39%) Homeowner's exemption	$276,238 (-6.87%) Land $49,588 Building $226,650	$276,238 (-6.87%) Land $49,588 Building $226,650
2024	$4,170.00 (+16.35%)
2023		$296,625 Land $49,588 Building $247,037	$296,625 Land $49,588 Building $247,037
2022	$3,584.00 (-7.84%)
2020	$3,889.00

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
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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