3603 Emerald Bay Cir, Katy, TX 77449 Property Records

Harris County property record for 3603 Emerald Bay Cir, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1995
Lot Size	0.157 acres (6,838 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,418 (Apr 2024)
Tax Bill	$7,298 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2022 Sale
Flood Zone	Zone X (moderate risk)
APN	`117-793-002-0016`

Property Details

APN / Parcel Number

Primary APN	`117-793-002-0016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,926 sqft Living Area
1st Floor Area	1,926 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2023
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	6,838 sqft (0.157 acres)
View / Lot	Primary
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1177930020016
Street Address	3603 EMERALD BAY CIR
City	KATY
State	TX
Zip	77449-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 16 BLK 2 LAKES OF BRIDGEWATER SEC 1
Legal Subdivision	LAKES OF BRIDGEWATER SEC 1
Legal Block	2
Legal Lot Number	16
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	2 Individual Names on Record
Mailing Address	3603 EMERALD BAY CIR, KATY, TX 77449-3801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Intrafamily Transfer, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Mar 10, 2022	Warranty Deed, Transfer CONCIERGE TITLE/TEXAS LLC, CONCIERGE TITLE OF TEXAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2024 · Amount on Record
Deed Sale	Apr 18, 2024 · Amount on Record
Prior Sale	Mar 10, 2022
Deed Document Number	2024138848
Record Updated	Oct 29, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARRIS TX
Recording Date	Apr 18, 2024
Property Address	3603 EMERALD BAY CIR, KATY, TX 77449-3801
Document Number	0000138848
Map Reference	MF 357025
Instrument Date	Apr 14, 2024
Instrument	2024-138848
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 EMERALD BAY CIR, KATY, TX 77449-3801

Mortgage

Document Number	0000138849
Date	Apr 18, 2024
Instrument	2024-138849

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Mar 10, 2022
Property Address	3603 EMERALD BAY CIR, KATY, TX 77449-3801
Document Number	0000129643
Map Reference	MF 357025
Instrument Date	Mar 7, 2022
Instrument	2022-129643
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	CONCIERGE TITLE/TEXAS LLC, CONCIERGE TITLE OF TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 EMERALD BAY CIR, KATY, TX 77449-3801

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		$276,370 (-2.64%) Land $49,577 Building $226,793	$276,370 (-2.64%) Land $49,577 Building $226,793
2025	$7,298.00 (+55.14%)	$283,859 (+6.38%) Land $49,577 Building $234,282	$283,859 (+6.38%) Land $49,577 Building $234,282
2024	$4,704.00 (+0.49%)
2023		$266,844 Land $49,577 Building $217,267	$266,844 Land $49,577 Building $217,267
2022	$4,681.00 (+262.59%)
2020	$1,291.00

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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