406 Roy St, Houston, TX 77007 Property Records

Harris County property record for 406 Roy St, Houston, TX 77007

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,052 sqft · built 2005
Lot Size	0.032 acres (1,399 sqft)
Owner	Individual Name on Record
Last Sale	$539,980 (Nov 2023)
Tax Bill	$6,947 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`127-034-001-0007`

Property Details

APN / Parcel Number

Primary APN	`127-034-001-0007`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,052 sqft Living Area
1st Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Lot Area	1,399 sqft (0.032 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1270340010007
Street Address	406 ROY ST
City	HOUSTON
State	TX
Zip	77007-7248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7 BLK 1 FEAGAN TERRACE
Legal Subdivision	FEAGAN TERRACE
Legal Block	1
Legal Lot Number	7
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1026
Census Tract	510801

Owner

Source: Harris County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	406 ROY ST, HOUSTON, TX 77007-7248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOP ONE MORTGAGE
Nov 16, 2023	Vendor's Lien, Transfer · Conventional Mortgage TOP ONE MORTGAGE
Nov 18, 2022	Vendor's Lien, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Prior Sale	Nov 18, 2022
Deed Document Number	2023438108
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	406 ROY ST, HOUSTON, TX 77007-7248
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ROY ST, HOUSTON, TX 77007-7248

Mortgage

Document Number	0000091536
Date	Mar 11, 2026
Instrument	2026-91536

Lender

Name	TOP ONE MORTGAGE
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Nov 16, 2023
Property Address	406 ROY ST, HOUSTON, TX 77007-7248
Document Number	0000438108
Map Reference	MF 586034
Instrument Date	Nov 15, 2023
Instrument	2023-438108
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	BPPS TITLE, BRPS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ROY ST, HOUSTON, TX 77007-7248

Mortgage

Document Number	0000438109
Date	Nov 16, 2023
Instrument	2023-438109

Lender

Name	TOP ONE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Nov 18, 2022
Property Address	406 ROY ST, HOUSTON, TX 77007-7248
Document Number	0000556873
Map Reference	MF 586034
Instrument Date	Nov 18, 2022
Instrument	2022-556873
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	SELECTITLE LLC, SELECT TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5535 MEMORIAL DR # DRF-365, DRF-365, HOUSTON, TX 77007-8021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ROY ST, HOUSTON, TX 77007-7248
Investor	Possibly a Property Investor

Mortgage

Document Number	0000556874
Date	Nov 18, 2022
Instrument	2022-556874

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

Source: Harris County assessment roll, as of May 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,947.00 (+2.72%) Homeowner's exemption	$480,114 (+4.66%) Land $191,383 Building $288,731	$480,114 (+4.66%) Land $191,383 Building $288,731
2024	$6,763.00 (+3.44%)
2023		$458,717 Land $171,238 Building $287,479	$458,717 Land $171,238 Building $287,479
2022	$6,538.00 (+11.4%)
2020	$5,869.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2017 · Hurricane Harvey

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 HOUSTON serves 2,970,543 people · EPA ID TX1010013
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · May 2025
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 729 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 · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: IBT Connect.

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