415 Whitecap Dr, El Lago (Seabrook), TX 77586 Property Records

Harris County property record for 415 Whitecap Dr, El Lago, TX 77586

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,344 sqft · built 1975
Lot Size	0.197 acres (8,580 sqft)
Owner	Individual Name on Record
Last Sale	$248,800 (Apr 2018)
Tax Bill	$4,887 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2023 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`097-110-000-0011`

Property Details

APN / Parcel Number

Primary APN	`097-110-000-0011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,344 sqft Living Area
1st Floor Area	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	8,580 sqft (0.197 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	1,280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0971100000011
Street Address	415 WHITECAP DR
City	EL LAGO
State	TX
Zip	77586-5816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 BLK 1 EL LAGO ESTATES SEC 6
Legal Subdivision	EL LAGO ESTATES SEC 6
Legal Block	1
Legal Lot Number	11
Jurisdiction	HARRIS TX
Township / Civil Division	SOUTHEAST HARRIS
Census Block Group	4
Census Block	4009
Census Tract	341501

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	Individual Name on Record
Mailing Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 20, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 23, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 6, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Mar 6, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 11, 2018	Warranty Deed, Transfer · FHA Mortgage LEGEND LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2018 · Amount on Record
Deed Sale	Apr 11, 2018 · Amount on Record
Prior Sale	Aug 1, 2001 · Amount on Record
Deed Document Number	2018153068
Prior Transfer Date	Jan 2, 2001
Prior Transfer Doc	000U819990
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Transaction Type	Mortgage
Record Updated	Feb 26, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WHITECAP DR, EL LAGO, TX 77586-5816

Mortgage

Document Number	0000056022
Date	Feb 19, 2024
Instrument	2024-56022

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Feb 1, 2064

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	WHITECAP DR, EL LAGO, TX 77586

Mortgage

Document Number	0000273020
Date	Jul 20, 2023
Instrument	2023-273020

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Mar 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WHITECAP DR, EL LAGO, TX 77586-5816

Mortgage

Document Number	0000428573
Date	Aug 23, 2022
Instrument	2022-428573

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2062

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Document Number	0000133073
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Apr 7, 2020
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WHITECAP DR EL LAGO TX 775865816, EL LAGO, TX 77586-5816

Mortgage

Document Number	0000133073
Date	Mar 24, 2020
Instrument	133073

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Document Number	0000140756
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WHITECAP DR EL LAGO TX 775865816, EL LAGO, TX 77586-5816

Mortgage

Document Number	0000140756
Date	Mar 31, 2020
Instrument	140756

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Apr 11, 2018
Property Address	415 WHITECAP DR, EL LAGO, TX 77586-5816
Document Number	0000153068
Instrument Date	Apr 5, 2018
Instrument	153068
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WHITECAP DR EL LAGO TX 775865816, EL LAGO, TX 77586-5816

Mortgage

Document Number	153069
Date	Apr 11, 2018
Instrument	153069

Lender

Name	LEGEND LNDG
Address	HOUSTON, TX 77058

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Municipality	El Lago City
Unified School District	Clear Creek Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$269,365 (+0.62%) Land $77,220 Building $192,145	$269,365 (+0.62%) Land $77,220 Building $192,145
2025	$4,887.00 (+40.07%) Homeowner's exemption	$267,697 (-7.61%) Land $77,220 Building $190,477	$267,697 (-7.61%) Land $77,220 Building $190,477
2024	$3,489.00 (-1.25%)
2023		$289,751 Land $77,220 Building $212,531	$289,751 Land $77,220 Building $212,531
2022	$3,533.00 (+19.97%)
2020	$2,945.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 257 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	257 in force
Nearby Flood Claims	18 (2008–2024)
Claims Outside the SFHA	7 of 18
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Hurricane Harvey, Sep 2017 · 11 claims Hurricane Ike, Sep 2008 · 5 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Rural Telecommunications of America Fixed Wireless	300 / 150

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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