3626 Emerald Bay Cir, Katy, TX 77449 Property Records

Harris County property record for 3626 Emerald Bay Cir, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,741 sqft · built 1996
Lot Size	0.256 acres (11,144 sqft)
Owner	Individual Name on File
Last Sale	$120,800 (Dec 2011)
Tax Bill	$5,620 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`117-793-003-0086`

Property Details

APN / Parcel Number

Primary APN	`117-793-003-0086`

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	2,741 sqft Living Area
1st Floor Area	1,199 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	11,144 sqft (0.256 acres)
View / Lot	Primary
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	416 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	42 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1177930030086
Street Address	3626 EMERALD BAY CIR
City	KATY
State	TX
Zip	77449-3890
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 86 BLK 3 LAKES OF BRIDGEWATER SEC 1
Legal Subdivision	LAKES OF BRIDGEWATER SEC 1
Legal Block	3
Legal Lot Number	86
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2010
Census Tract	542305

Owner

3626 Emerald Bay Cir is owned and occupied by an individual who bought it in December 2011.

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

Owner of Record	Individual Name on File
Mailing Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
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
Aug 24, 2026	Deed of Trust, Mortgage · FHA Mortgage DO NO USE, CARRINGTON MORTGAGE SERVICES
Feb 1, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 8, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 11, 2018	Loan Modification, Mortgage JP MORGAN CHASE BK
Mar 3, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 28, 2017	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2011 · Amount on File
Deed Sale	Dec 14, 2011 · Amount on File
Prior Sale	Aug 2, 1996 · Amount on File
Deed Document Number	2011521290
Deed Book / Page	2874 / 603
Prior Transfer Date	Dec 12, 2011
Prior Transfer Doc	20110521292
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Recording Date	Aug 24, 2026
Property Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
Document Number	0000342321
Instrument Date	Jul 29, 2026
Instrument	2026342321
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	DO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890

Mortgage

Document Number	0000342321,
Date	Aug 24, 2026
Instrument	2026342321

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2066

Interest

Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890

Mortgage

Document Number	0000035345
Date	Feb 1, 2024
Instrument	2024-035345

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	KATY, TX 77449

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	468 Months
Due	Feb 1, 2063

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890

Mortgage

Document Number	0000454809
Date	Sep 8, 2022
Instrument	2022-454809

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2062

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
Document Number	0000436642
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3626 EMERALD BAY CIR KATY TX 774493890, KATY, TX 77449-3890

Mortgage

Document Number	0000436642
Date	Sep 24, 2018
Instrument	436642

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
Document Number	0000121508
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 31, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3626 EMERALD BAY CIR KATY TX 774493890, KATY, TX 77449-3890

Mortgage

Document Number	0000121508
Date	Mar 22, 2017
Instrument	121508

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	3626 EMERALD BAY CIR, KATY, TX 77449-3890
Document Number	0000134978
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3626 EMERALD BAY CIR KATY TX 774493890, KATY, TX 77449-3890

Mortgage

Document Number	0000134978
Date	Mar 30, 2017
Instrument	134978

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3626 Emerald Bay Cir was $5,620 with a homeowner's exemption, up 51.2% 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		$285,630 (-2.78%) Land $53,367 Building $232,263	$285,630 (-2.78%) Land $53,367 Building $232,263
2025	$5,620.00 (+51.2%) Homeowner's exemption	$293,801 Land $53,367 Building $240,434	$293,801 Land $53,367 Building $240,434
2024	$3,717.00
2023		$314,886 Land $53,367 Building $261,519	$314,886 Land $53,367 Building $261,519
2022	$3,130.00
2020	$3,473.00

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

Flood

FEMA maps place 3626 Emerald Bay Cir in Zone X, an area of minimal 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 minimal risk
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 3626 Emerald Bay Cir is low, with a 0.02% 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 97.1% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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