Harris County property record for 407 Terrace Dr, El Lago, TX 77586
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,659 sqft · built 1963 |
| Lot Size | 0.3 acres (13,061 sqft) |
| Owner | Individual Name on File |
| Last Sale | $293,600 (Aug 2019) |
| Tax Bill | $6,921 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 093-612-000-0110 |
| Primary APN | 093-612-000-0110 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,659 sqft Living Area |
| 1st Floor Area | 2,659 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 13,061 sqft (0.3 acres) |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 480 sqft |
|---|---|
| Porch | Open Frame Porch |
| Porch Area | 178 sqft |
| Deck Area | 397 sqft |
| Patio Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0936120000110 |
|---|---|
| Street Address | 407 TERRACE DR |
| City | EL LAGO |
| State | TX |
| Zip | 77586-6121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 110 BLK 5 EL LAGO SEC 2 |
| Legal Subdivision | EL LAGO SEC 2 |
| Legal Block | 5 |
| Legal Lot Number | 110 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | SOUTHEAST HARRIS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 341501 |
407 Terrace Dr is owned and occupied by an individual who bought it in August 2019.
Source: Harris County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 TERRACE DR, EL LAGO, TX 77586-6121 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Aug 19, 2019 | Warranty Deed, Transfer · FHA Mortgage GATEWAY MTG GRP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Prior Sale | Aug 26, 2013 · Amount on File |
| Deed Document Number | 2019364558 |
| Prior Transfer Date | Aug 16, 2019 |
| Prior Transfer Doc | 0000364558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 407 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000519408 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 407 TERRACE DR EL LAGO TX 775866121, EL LAGO, TX 77586-6121 |
| Document Number | 0000519408 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 519408 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Aug 19, 2019 |
| Property Address | 407 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000364558 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 364558 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2019 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO (HOUSTON) |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 TERRACE DR EL LAGO TX 775866121, EL LAGO, TX 77586-6121 |
| Document Number | 364559 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 364559 |
| Name | GATEWAY MTG GRP |
|---|---|
| Address | JE, OK 74037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 18, 2049 |
The 2025 property tax bill for 407 Terrace Dr was $6,921 with a homeowner's exemption, up 4.9% from the year before.
Source: Harris County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Municipality | El Lago City |
| Unified School District | Clear Creek Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,678 (-12.66%) Land $97,385 Building $212,293 | $309,678 (-12.66%) Land $97,385 Building $212,293 | |
| 2025 | $6,921.00 (+4.9%) Homeowner's exemption | $354,561 Land $97,385 Building $257,176 | $354,561 Land $97,385 Building $257,176 |
| 2024 | $6,598.00 | ||
| 2023 | $362,375 Land $97,385 Building $264,990 | $362,375 Land $97,385 Building $264,990 | |
| 2022 | $4,457.00 | ||
| 2020 | $3,707.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Terrace Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 14.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 300 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 300 in force |
| Nearby Flood Claims | 117 (1979–2019) |
| Claims Outside the SFHA | 61 of 117 |
| Most Recent Claim | Jun 2019 · other causes |
| Claims by Event |
|
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 risk around 407 Terrace Dr is low, with less than 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 99.1% of the US · lower than 99.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARRIS COUNTY WCID 50 EL LAGO serves 3,924 people · EPA ID TX1010241 |
|---|---|
| Water Source | Purchased surface water from CITY OF SEABROOK |
| Last State Inspection | Mar 2023 |
| Lead | 15 ppb (2026) action level 15 ppb |
| Copper | 1.7 mg/L (2026) action level 1.3 mg/L |
| Water Quality | Di(2-ethylhexyl) phthalate resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 486 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Rural Telecommunications of America Fixed Wireless | 300 / 150 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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