423 E Cowan Dr, Houston, TX 77007 Property Records

Harris County property record for 423 E Cowan Dr, Houston, TX 77007

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 5,338 sqft · built 2002
Lot Size	0.227 acres (9,900 sqft)
Owner	Company Name on File
Last Sale	$1,654,187 (Dec 2022)
Tax Bill	$39,794 (2025)
Deeds & Mortgages	Sep 2026 Transfer Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-023-003-0009`

Property Details

APN / Parcel Number

Primary APN	`068-023-003-0009`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,338 sqft Living Area
1st Floor Area	3,320 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Traditional
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Lot Area	9,900 sqft (0.227 acres)
View / Lot	Neighborhood
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	544 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0680230030009
Street Address	423 E COWAN DR
City	HOUSTON
State	TX
Zip	77007-5027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 9 BLK 3 CRESTWOOD
Legal Subdivision	CRESTWOOD
Legal Block	3
Legal Lot Number	9
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2006
Census Tract	510802

Owner

423 E Cowan Dr is owned by a company that acquired it in September 2026 and is owner-occupied.

Source: Harris County records, as of October 2, 2026

Owner of Record	Company Name on File
Mailing Address	423 E COWAN DR, HOUSTON, TX 77007-5027
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Oct 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage SAGE HOME LOANS CORP
Dec 21, 2022	Vendor's Lien, Transfer · Conventional Mortgage UMB BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on File
Deed Sale	Dec 21, 2022 · Amount on File
Prior Sale	Aug 18, 2008 · Amount on File
Deed Document Number	2022596125
Last Transfer Date	Sep 18, 2026
Transfer Doc	0000387635
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HARRIS TX
Recording Date	Sep 24, 2026
Property Address	423 E COWAN DR, HOUSTON, TX 77007-5027
Document Number	0000387635
Instrument Date	Sep 18, 2026
Instrument	2026387635
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	423 E COWAN DR, HOUSTON, TX 77007-5027
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E COWAN DR, HOUSTON, TX 77007-5027

Mortgage

Document Number	0000410568
Date	Oct 15, 2025
Instrument	2025-410568

Lender

Name	SAGE HOME LOANS CORP
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

December 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Dec 21, 2022
Property Address	423 E COWAN DR, HOUSTON, TX 77007-5027
Document Number	0000596125
Map Reference	VOL 16 PG 2
Instrument Date	Dec 19, 2022
Instrument	2022-596125
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 E COWAN DR, HOUSTON, TX 77007-5027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E COWAN DR, HOUSTON, TX 77007-5027

Mortgage

Document Number	0000596126
Date	Dec 21, 2022
Instrument	2022-596126

Lender

Name	UMB BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.89%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Margin	2
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 423 E Cowan Dr was $39,794 with a homeowner's exemption, up 11% from the year before.

Source: Harris County assessment roll, as of September 29, 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
2026		$2,544,823 (-3.97%) Land $1,534,500 Building $1,010,323	$2,544,823 (-3.97%) Land $1,534,500 Building $1,010,323
2025	$39,794.00 (+11.01%) Homeowner's exemption	$2,650,000 Land $1,386,000 Building $1,264,000	$2,650,000 Land $1,386,000 Building $1,264,000
2024	$35,848.00
2023		$2,015,000 Land $1,138,500 Building $876,500	$2,015,000 Land $1,138,500 Building $876,500
2022	$31,666.00
2020	$33,758.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 423 E Cowan Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File median of 87 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	87 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

The area around 423 E Cowan Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 520 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	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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