3527 Emerald Bay Cir, Katy, TX 77449 Property Records

Harris County property record for 3527 Emerald Bay Cir, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,896 sqft · built 1997
Lot Size	0.157 acres (6,846 sqft)
Owner	2 Individual Names on File
Last Sale	$257,700 (May 2020)
Tax Bill	$5,640 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`117-793-002-0018`

Property Details

APN / Parcel Number

Primary APN	`117-793-002-0018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,896 sqft Living Area
1st Floor Area	1,307 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	6,846 sqft (0.157 acres)
View / Lot	Primary
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1177930020018
Street Address	3527 EMERALD BAY CIR
City	KATY
State	TX
Zip	77449-3891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 18 BLK 2 LAKES OF BRIDGEWATER SEC 1
Legal Subdivision	LAKES OF BRIDGEWATER SEC 1
Legal Block	2
Legal Lot Number	18
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2009
Census Tract	542305

Owner

3527 Emerald Bay Cir is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3527 EMERALD BAY CIR, KATY, TX 77449-3891
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
May 11, 2020	Warranty Deed, Transfer QUICKEN LNS
Apr 23, 2020	Quit Claim Deed, Transfer ALAMO TITLE COMPANY, ALAMO TITLE CO (HOUSTON)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	May 31, 2002 · Amount on File
Deed Document Number	2020195675
Prior Transfer Date	May 8, 2020
Prior Transfer Doc	0000195675
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	May 11, 2020
Property Address	3527 EMERALD BAY CIR, KATY, TX 77449-3891
Document Number	0000195675
Instrument Date	May 8, 2020
Instrument	195675
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO (HOUSTON)

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3527 EMERALD BAY CIR KATY TX 774493891, KATY, TX 77449-3891

Mortgage

Document Number	195676
Date	May 11, 2020
Instrument	195676

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARRIS TX
Recording Date	Apr 23, 2020
Property Address	3527 EMERALD BAY CIR, KATY, TX 77449-3891
Document Number	0000172618
Instrument Date	Oct 31, 2017
Instrument	172618
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO (HOUSTON)

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3527 EMERALD BAY CIR KATY TX 774493891, KATY, TX 77449-3891

Tax Assessment & Valuation

The 2025 property tax bill for 3527 Emerald Bay Cir was $5,640 with a homeowner's exemption, up 46.1% 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		$286,673 (-2.7%) Land $49,584 Building $237,089	$286,673 (-2.7%) Land $49,584 Building $237,089
2025	$5,640.00 (+46.08%) Homeowner's exemption	$294,621 Land $49,584 Building $245,037	$294,621 Land $49,584 Building $245,037
2024	$3,861.00
2023		$323,615 Land $49,584 Building $274,031	$323,615 Land $49,584 Building $274,031
2022	$3,257.00
2020	$3,590.00

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

Flood

FEMA maps place 3527 Emerald Bay Cir in Zone X, an area of moderate flood risk.

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 File 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

Wildfire risk around 3527 Emerald Bay Cir 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 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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