523 Rainy River Dr, Houston, TX 77037 Property Records

Harris County property record for 523 Rainy River Dr, Houston, TX 77037

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,301 sqft · built 1964
Lot Size	0.157 acres (6,820 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,989 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Feb 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`097-053-000-0358`

Property Details

APN / Parcel Number

Primary APN	`097-053-000-0358`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,301 sqft Living Area
1st Floor Area	1,301 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2021
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	6,820 sqft (0.157 acres)
View / Lot	Flood Plain
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	39 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0970530000358
Street Address	523 RAINY RIVER DR
City	HOUSTON
State	TX
Zip	77037-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 354 BLK 17 NORTHLINE TERRACE SEC 1
Legal Subdivision	NORTHLINE TERRACE SEC 1
Legal Block	17
Legal Lot Number	354
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1015
Census Tract	221601

Owner

523 Rainy River Dr is owned by two individuals who acquired it in February 2022.

Source: Harris County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4202 OAKVILLE ST, HOUSTON, TX 77093-1450
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage GB MORTGAGE INC
Feb 7, 2022	Warranty Deed, Transfer
Jul 27, 2018	Loan Modification, Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2022
Deed Sale	Feb 7, 2022
Prior Sale	Oct 5, 2016 · Amount on File
Deed Document Number	202267492
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	523 RAINY RIVER DR, HOUSTON, TX 77037-2016
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069178
Date	Feb 17, 2017
Instrument	20170069178

Lender

Name	GB MORTGAGE INC
Type	Mortgage Company
Address	CONROE, TX 77384

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Feb 7, 2022
Property Address	523 RAINY RIVER DR, HOUSTON, TX 77037-2016
Document Number	0000067492
Map Reference	VOL 109 PG 15
Instrument Date	Feb 4, 2022
Instrument	2022-67492
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 RAINY RIVER DR, HOUSTON, TX 77037-2016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4202 OAKVILLE ST, HOUSTON, TX 77093-1450

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	523 RAINY RIVER DR, HOUSTON, TX 77037-2016
Document Number	0000439000
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 5, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	523 RAINY RIVER DR HOUSTON TX 770372016, HOUSTON, TX 77037-2016

Mortgage

Document Number	0000439000
Date	Sep 25, 2018
Instrument	439000

Lender

Name	PLAZA HM MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	336 Months
Due	Sep 24, 2046

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 523 Rainy River Dr was $3,989, up 1% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Unified School District	Aldine Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,162 (-) Land $34,010 Building $170,152	$204,162 (-) Land $34,010 Building $170,152
2025	$3,989.00 (+0.99%)	$204,162 Land $34,010 Building $170,152	$204,162 Land $34,010 Building $170,152
2024	$3,950.00
2023		$194,753 (+9.3%) Land $34,010 Building $160,743	$194,753 (+9.3%) Land $34,010 Building $160,743
2022	$1,576.00	$178,176 Land $32,310 Building $145,866	$178,176 Land $32,310 Building $145,866
2020	$759.00

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

Flood

FEMA maps place 523 Rainy River 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 146 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 in force
Nearby Flood Claims	111 (2001–2024)
Claims Outside the SFHA	3 of 111
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Hurricane Beryl, Jul 2024 · 18 claims Tropical Storm Imelda, Sep 2019 · 17 claims Hurricane Harvey, Aug 2017 · 50 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

The area around 523 Rainy River 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	SUNBELT FWSD NORTHLINE TERRACE serves 3,225 people · EPA ID TX1010117
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 673 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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