Harris County property record for 418 Cedar Ln, El Lago, TX 77586
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,490 sqft · built 1963 |
| Lot Size | 0.276 acres (12,007 sqft) |
| Owner | Individual Name on File |
| Last Sale | $246,176 (Jul 2023) |
| Tax Bill | $7,999 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 093-613-000-0092 |
| Primary APN | 093-613-000-0092 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,490 sqft Living Area |
| 1st Floor Area | 2,215 sqft |
| Attic | Attic |
| Attic Area | 275 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 12,007 sqft (0.276 acres) |
| View / Lot | Flood Plain |
| Garage Type | Detached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 573 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0936130000092 |
|---|---|
| Street Address | 418 CEDAR LN |
| City | EL LAGO |
| State | TX |
| Zip | 77586-6116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 92 BLK 7 EL LAGO SEC 2 |
| Legal Subdivision | EL LAGO SEC 2 |
| Legal Block | 7 |
| Legal Lot Number | 92 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | SOUTHEAST HARRIS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 341501 |
418 Cedar Ln is owned and occupied by an individual who bought it in July 2023.
Source: Harris County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Jul 18, 2023 | Vendor's Lien, Transfer · VA Mortgage SECURITY NATIONAL MORTGAGE CO |
| Oct 21, 2022 | Vendor's Lien, Transfer · Construction Mortgage KIAVI FUNDING INC |
| Dec 22, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage US SMALL BUSN ADMN |
| Oct 3, 2017 | Loan Modification, Mortgage JSC FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2023 · Amount on File |
| Deed Sale | Jul 18, 2023 · Amount on File |
| Prior Sale | Oct 21, 2022 · Amount on File |
| Deed Document Number | 2023266692 |
| Prior Transfer Date | Jul 20, 2012 |
| Prior Transfer Doc | 0000338090 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT INC |
| Name | Verified Name |
|---|---|
| Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Document Number | 0000471926 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025-471926 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Jul 18, 2023 |
| Property Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Document Number | 0000266692 |
| Map Reference | VOL 74 PG 20 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 2023-266692 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Title Company | MOMENTUM TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Document Number | 0000266693 |
|---|---|
| Date | Jul 18, 2023 |
| Instrument | 2023-266693 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Oct 21, 2022 |
| Property Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Document Number | 0000519229 |
| Map Reference | VOL 74 PG 20 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 2022-519229 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | AMERICA TITLE, AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 777 PRESTON ST APT 10P, 10P, HOUSTON, TX 77002-1685 |
| Investor | Possibly a Property Investor |
| Document Number | 0000519230 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 2022-519230 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Dec 22, 2017 |
| Property Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 563099 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 5, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 923 RUTH CIR TEXAS CITY TX 775914336, TEXAS CITY, TX 77591-4336 |
| Document Number | 0000563099 |
|---|---|
| Date | Dec 22, 2017 |
| Instrument | 563099 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | EL PASO, TX 79935 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 21, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 418 CEDAR LN, EL LAGO, TX 77586-6116 |
| Document Number | 0000501418 |
| Instrument Date | Oct 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2017 |
| Name | Verified Name |
|---|---|
| Address | 415 CEDAR LN EL LAGO TX 775866115, EL LAGO, TX 77586-6115 |
| Document Number | 0000501418 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 501418 |
| Name | JSC FCU |
|---|---|
| Type | Credit Union |
| Address | HOUSTON, TX 77258 |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | Nov 14, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
The 2025 property tax bill for 418 Cedar Ln was $7,999 with exemptions applied, up 36.9% 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 | $354,095 (-13.95%) Land $92,642 Building $261,453 | $354,095 (-13.95%) Land $92,642 Building $261,453 | |
| 2025 | $7,999.00 (+36.92%) Homeowner's exemption Veteran's exemption | $411,494 Land $92,642 Building $318,852 | $411,494 Land $92,642 Building $318,852 |
| 2024 | $5,842.00 | ||
| 2023 | $399,351 (+10.56%) Land $72,261 Building $327,090 | $399,351 (+10.56%) Land $72,261 Building $327,090 | |
| 2022 | $5,578.00 | $361,205 Land $72,261 Building $288,944 | $361,205 Land $72,261 Building $288,944 |
| 2020 | $4,283.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 418 Cedar Ln 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 418 Cedar Ln 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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