4038 Sand Ripple Ln, Katy, TX 77449 Property Records

Harris County property record for 4038 Sand Ripple Ln, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,892 sqft · built 2000
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$145,600 (Feb 2008)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`119-992-001-0012`

Property Details

APN / Parcel Number

Primary APN	`119-992-001-0012`

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	1,892 sqft Living Area
1st Floor Area	736 sqft
Game Room	Game Room

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	5,500 sqft (0.126 acres)
View / Lot	Primary
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1199920010012
Street Address	4038 SAND RIPPLE LN
City	KATY
State	TX
Zip	77449-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12 BLK 1 BRIDGEWATER POINTE SEC 2
Legal Subdivision	BRIDGEWATER POINTE SEC 2
Legal Block	1
Legal Lot Number	12
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2003
Census Tract	542305

Owner

4038 Sand Ripple Ln is owned and occupied by two individuals who bought it in February 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	4038 SAND RIPPLE LN, KATY, TX 77449-8136
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
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 16, 2020	Deed of Trust, Mortgage MR COOPER
Nov 8, 2018	Loan Modification, Mortgage FEDERAL NAT'L MTG ASSN (FNMA)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2008 · Amount on File
Deed Sale	Feb 5, 2008 · Amount on File
Prior Sale	Aug 2, 2001 · Amount on File
Deed Document Number	200858694
Deed Book / Page	5390 / 740
Prior Transfer Date	Jul 26, 2001
Prior Transfer Doc	0000214968
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	4038 SAND RIPPLE LN, KATY, TX 77449-8136
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021595191
Date	Oct 15, 2021
Instrument	2021-595191

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	4038 SAND RIPPLE LN, KATY, TX 77449-8136
Document Number	0000132795
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Apr 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4038 SAND RIPPLE LN KATY TX 774498136, KATY, TX 77449-8136

Mortgage

Document Number	0000132795
Date	Mar 24, 2020
Instrument	132795

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2050

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	4038 SAND RIPPLE LN, KATY, TX 77449-8136
Document Number	0000576080
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4038 SAND RIPPLE LN KATY TX 774498136, KATY, TX 77449-8136

Mortgage

Document Number	0000576080
Date	Dec 27, 2018
Instrument	576080

Lender

Name	FEDERAL NAT'L MTG ASSN (FNMA)
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	300 Months
Due	Dec 26, 2043

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 4038 Sand Ripple Ln was $5,092 with a homeowner's exemption, up 64.3% 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		$271,721 (-4.43%) Land $46,035 Building $225,686	$271,721 (-4.43%) Land $46,035 Building $225,686
2025	$5,092.00 (+64.31%) Homeowner's exemption	$284,319 Land $46,035 Building $238,284	$284,319 Land $46,035 Building $238,284
2024	$3,099.00
2023		$272,495 Land $44,253 Building $228,242	$272,495 Land $44,253 Building $228,242
2022	$2,587.00
2020	$3,181.00

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

Flood

FEMA maps place 4038 Sand Ripple Ln 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 4038 Sand Ripple Ln is low, with 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	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 584 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, T-Mobile.

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