Harris County property record for 419 Terrace Dr, El Lago, TX 77586
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,070 sqft · built 1963 |
| Lot Size | 0.243 acres (10,596 sqft) |
| Owner | Individual Name on File |
| Last Sale | $278,516 (Jun 2026) |
| Tax Bill | $8,347 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Feb 2024 Transfer + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 093-612-000-0107 |
| Primary APN | 093-612-000-0107 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,070 sqft Living Area |
| 1st Floor Area | 2,070 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,596 sqft (0.243 acres) |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 2,214 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0936120000107 |
|---|---|
| Street Address | 419 TERRACE DR |
| City | EL LAGO |
| State | TX |
| Zip | 77586-6121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 107 BLK 5 EL LAGO SEC 2 |
| Legal Subdivision | EL LAGO SEC 2 |
| Legal Block | 5 |
| Legal Lot Number | 107 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | SOUTHEAST HARRIS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 341501 |
419 Terrace Dr is owned and occupied by an individual who bought it in June 2026.
Source: Harris County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 22, 2026 | Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 2, 2024 | Intrafamily Transfer, Transfer |
| Oct 15, 2021 | Warranty Deed, Transfer |
| Mar 16, 2021 | Warranty Deed, Transfer CHICAGO TITLE-FRIENDSWOOD, CHICAGO TITLE FRIENDSWOOD |
| Sep 26, 2018 | Vendor's Lien, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY |
| Nov 1, 2017 | Warranty Deed, Transfer CALIBER HM LOANS |
| May 3, 2017 | Grant Deed, Transfer ALLISON SHARP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on File |
| Deed Sale | Jun 22, 2026 · Amount on File |
| Prior Sale | Oct 15, 2021 · Amount on File |
| Deed Document Number | 2026246469 |
| Prior Transfer Date | Nov 1, 2016 |
| Prior Transfer Doc | 0000500297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Jun 22, 2026 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000246469 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 2026246469 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | ENVISION TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000246470, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 2026246470 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Feb 2, 2024 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000036943 |
| Map Reference | VOL 174 PG 20 |
| Instrument Date | Jan 23, 2024 |
| Instrument | 2024-036943 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2400 FERNCLIFF RD, CHARLOTTE, NC 28211-3243 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2400 FERNCLIFF RD, CHARLOTTE, NC 28211-3243 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Oct 15, 2021 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000596814 |
| Map Reference | VOL 74 PG 20 |
| Instrument Date | Oct 11, 2021 |
| Instrument | 2021-596814 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2326 FERNCLIFF RD, CHARLOTTE, NC 28211-2638 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Mar 16, 2021 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000134449 |
| Map Reference | VOL 74 PG 20 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 2021-134449 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2024 |
| Title Company | CHICAGO TITLE-FRIENDSWOOD, CHICAGO TITLE FRIENDSWOOD |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4418 BEACON HILL DR, SEABROOK, TX 77586-5502 |
| Name | Verified Name |
|---|---|
| Address | 350 CREEKSIDE DR, LEAGUE CITY, TX 77573-1754 |
| Investor | Possibly a Property Investor |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Sep 26, 2018 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000440325 |
| Map Reference | VOL 74 PG 20 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 2018-440325 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000440326 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 2018-440326 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Nov 1, 2017 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000482244 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 482244 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 419 TERRACE DR EL LAGO TX 775866121, EL LAGO, TX 77586-6121 |
| Document Number | 482245 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 482245 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 31, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | May 3, 2017 |
| Property Address | 419 TERRACE DR, EL LAGO, TX 77586-6121 |
| Document Number | 0000193019 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 193019 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8710 TRANQUIL PARK DR SPRING TX 773796860, SPRING, TX 77379-6860 |
| Document Number | 193020 |
|---|---|
| Date | May 3, 2017 |
| Instrument | 193020 |
| Name | ALLISON SHARP |
|---|
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 419 Terrace Dr was $8,347, up 16.1% 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 | $257,439 (-21.28%) Land $86,292 Building $171,147 | $257,439 (-21.28%) Land $86,292 Building $171,147 | |
| 2025 | $8,347.00 (+16.09%) | $327,036 Land $86,292 Building $240,744 | $327,036 Land $86,292 Building $240,744 |
| 2024 | $7,190.00 | ||
| 2023 | $340,000 Land $86,292 Building $253,708 | $340,000 Land $86,292 Building $253,708 | |
| 2022 | $4,749.00 | ||
| 2020 | $3,395.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 419 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 419 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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