Harris County property record for 3522 Carmel St, Houston, TX 77091 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,146 sqft · built 2019 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $135 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 097-468-000-0401 |
| Primary APN | 097-468-000-0401 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,146 sqft Living Area |
| 1st Floor Area | 2,146 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Area | 516 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 412 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0974680000401 |
|---|---|
| Street Address | 3522 CARMEL ST |
| City | HOUSTON |
| State | TX |
| Zip | 77091-2819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 4O1 WHITE OAK TERRACE TR F U/R |
| Legal Subdivision | WHITE OAK TERRACE TRF U/R |
| Legal Tract | F |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 531900 |
Source: Harris County records · APN 097-468-000-0401
Assessment roll updated May 26, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 3522 CARMEL ST, HOUSTON, TX 77091-2819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 16, 2014 |
| Deed Sale | May 16, 2014 |
| Deed Document Number | 2014208427 |
| Record Updated | Sep 20, 2026 |
Source: Harris County records · Assessment roll updated May 26, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Municipality | Houston City |
| Unified School District | Aldine Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $135.00 Homeowner's exemption | $316,215 (-13.23%) Land $60,200 Building $256,015 | $316,215 (-13.23%) Land $60,200 Building $256,015 |
| 2024 | $135.00 | ||
| 2023 | $364,442 Land $60,200 Building $304,242 | $364,442 Land $60,200 Building $304,242 | |
| 2022 | $135.00 (-94.84%) | ||
| 2020 | $2,618.00 |
Source: FEMA National Flood Hazard Layer, Harris County (48201C), updated May 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482015319003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 49 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 49 (1984–2026) |
| Claims Outside the SFHA | 43 of 49 |
| Most Recent Claim | Jun 2026, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Low above 7% of the US · above 3% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 228 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 2,000 / 2,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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