3523 Cardiff Mist Dr, Katy, TX 77494 Property Records

Fort Bend County property record for 3523 Cardiff Mist Dr, Katy, TX 77494

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,919 sqft · built 2012
Lot Size	0.218 acres (9,525 sqft)
Owner	Individual Name on File
Tax Bill	$7,246 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R387844`

Property Details

APN / Parcel Number

Primary APN	`R387844`
Alternative APN	`2254-01-007-0030-914`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,919 sqft Living Area
1st Floor Area	2,221 sqft
2nd Floor Area	1,698 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,525 sqft (0.218 acres)
Lot Dimensions	127 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	425 sqft
Porch	Open Porch
Porch Area	404 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R387844
Street Address	3523 CARDIFF MIST DR
City	KATY
State	TX
Zip	77494-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANYON LAKES AT CARDIFF RANCH SEC 1, BLOCK 7, LOT 3
Legal Subdivision	CANYON LAKES AT CARDIFF RANCH SEC 1
Legal Block	7
Legal Lot Number	3
Jurisdiction	FORT BEND TX
Township / Civil Division	FULSHEAR-SIMONTON
Census Block Group	2
Census Block	2006
Census Tract	673111

Owner

3523 Cardiff Mist Dr is owned and occupied by an individual who acquired it in April 2025.

Source: Fort Bend County records, as of January 28, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	27214 WOODED CANYON DR, KATY, TX 77494-1652
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 2, 2022	Deed of Trust, Mortgage · Line of Credit AUSTIN BANK
Jan 25, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 12, 2017	Deed of Trust, Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025
Deed Sale	Apr 1, 2025
Prior Sale	Dec 15, 2016
Deed Document Number	2025030110
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	3523 CARDIFF MIST DR, KATY, TX 77494-1641
Transaction Type	Mortgage
Record Updated	Feb 7, 2023
Title Company	NOT AVAILABLE, UNIVERSITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000146858
Date	Dec 2, 2022
Instrument	2022146858

Lender

Name	AUSTIN BANK
Type	Bank
Address	WHITEHOUSE, TX 75791

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 2, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	3523 CARDIFF MIST DR, KATY, TX 77494-1641
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	ELEVATED TITLE OF TEXAS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011432
Date	Jan 25, 2021
Instrument	2021011432

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	3523 CARDIFF MIST DR, KATY, TX 77494-1641
Document Number	0000102937
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3523 CARDIFF MIST DR KATY TX 774941641, KATY, TX 77494-1641

Mortgage

Document Number	0000102937
Date	Sep 20, 2017
Instrument	102937

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 19, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3523 Cardiff Mist Dr was $7,246 with exemptions applied, down 32.1% from the year before.

Source: Fort Bend County assessment roll, as of July 25, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fort Bend County
Unified School District	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,246.00 (-32.13%) Homeowner's exemption Veteran's exemption	$588,143 (+1%) Land $107,250 Building $591,867	$699,117 (+10.26%) Land $107,250 Building $591,867
2024	$10,677.00 (+72.57%) Homeowner's exemption Veteran's exemption	$534,675 (+1%) Land $107,250 Building $526,836	$634,086 (+2.49%) Land $107,250 Building $526,836
2023	$6,187.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$486,068 Land $82,500 Building $536,160	$618,660 Land $82,500 Building $536,160
2018	$6,858.00

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

Flood

FEMA maps place 3523 Cardiff Mist Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 8, 2024 · 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 108 policies
Nearby Flood Policies	108 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

Wildfire risk around 3523 Cardiff Mist Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% 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	FORT BEND COUNTY MUD 58 serves 10,629 people · EPA ID TX0790458
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
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. 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 525 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
Astound Broadband Fiber	1,500 / 1,500
Verizon Fixed Wireless	300 / 20
Skynet Fixed Wireless	100 / 50

May also be available: T-Mobile.

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