3904 Ruskin St, Houston, TX 77005 Property Records

Harris County property record for 3904 Ruskin St, Houston, TX 77005

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,012 sqft · built 1994
Lot Size	0.131 acres (5,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$762,500 (Aug 2009)
Tax Bill	$10,194 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`075-033-001-0028`

Property Details

APN / Parcel Number

Primary APN	`075-033-001-0028`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,012 sqft Living Area
1st Floor Area	1,377 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	5,720 sqft (0.131 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Pool Area	432 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0750330010028
Street Address	3904 RUSKIN ST
City	HOUSTON
State	TX
Zip	77005-4333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 28 BLK 1 CUNNINGHAM TERRACE
Legal Subdivision	CUNNINGHAM TERRACE
Legal Block	1
Legal Lot Number	28
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	4
Census Block	4026
Census Tract	412400

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	3904 RUSKIN ST, HOUSTON, TX 77005-4333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2009 · Amount on Record
Deed Sale	Aug 14, 2009 · Amount on Record
Prior Sale	Mar 1, 2005 · Amount on Record
Deed Document Number	2009369385
Deed Book / Page	6694 / 1372
Prior Transfer Date	Aug 12, 2009
Prior Transfer Doc	20090369385
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	3904 RUSKIN ST, HOUSTON, TX 77005-4333
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000686263
Date	Dec 1, 2021
Instrument	2021-686263

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Tax Assessment & Valuation

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Municipality	West University Place City
Unified School District	Houston Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,350,600 (-) Land $777,200 Building $573,400	$1,350,600 (-) Land $777,200 Building $573,400
2025	$10,194.00 (-7.49%) Homeowner's exemption	$1,350,600 (+5.64%) Land $696,800 Building $653,800	$1,350,600 (+5.64%) Land $696,800 Building $653,800
2024	$11,019.00 (+10.65%)
2023		$1,278,494 Land $696,800 Building $581,694	$1,278,494 Land $696,800 Building $581,694
2022	$9,958.00 (-24.39%)
2020	$13,170.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 254 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	254 in force
Nearby Flood Claims	133 (1979–2017)
Claims Outside the SFHA	97 of 133
Most Recent Claim	Sep 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Sep 2017 · 40 claims Hurricane Ike, Sep 2008 · 10 claims Tropical Storm Allison-06-06-2001, Jun 2001 · 49 claims

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	Not rated no burnable land within 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	CITY OF WEST UNIVERSITY PLACE serves 19,200 people · EPA ID TX1010027
Water Source	Purchased surface water from CITY OF HOUSTON
Last State Inspection	Oct 2023
Lead	Under 1 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 763 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20