5322 Nero Lake Dr, Katy, TX 77449 Property Records

Harris County property record for 5322 Nero Lake Dr, Katy, TX 77449

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,015 sqft · built 2018
Lot Size	0.128 acres (5,584 sqft)
Owner	2 Individual Names on File
Last Sale	$370,272 (Oct 2024)
Tax Bill	$7,268 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`134-858-002-0025`

Property Details

APN / Parcel Number

Primary APN	`134-858-002-0025`
Alternative APN	`0460050000021`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,015 sqft Living Area
1st Floor Area	1,810 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	5,584 sqft (0.128 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1348580020025
Street Address	5322 NERO LAKE DR
City	KATY
State	TX
Zip	77449-2262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 25 BLK 2 PLANTATION LAKES SEC 17
Legal Subdivision	PLANTATION LAKES SEC 17
Legal Block	2
Legal Lot Number	25
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	3
Census Block	3008
Census Tract	542105

Owner

5322 Nero Lake Dr is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5322 NERO LAKE DR, KATY, TX 77449-2262
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 17, 2024	Vendor's Lien, Transfer · Conventional Mortgage CHAMPIONS MORTGAGE LLC
Sep 4, 2020	Deed of Trust, Mortgage CALIBER HM LOANS
Oct 10, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Dec 31, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage JNC MTG
Jun 28, 2018	Warranty Deed, Transfer TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2024 · Amount on File
Deed Sale	Oct 17, 2024 · Amount on File
Prior Sale	Dec 31, 2018 · Amount on File
Deed Document Number	2024385114
Prior Transfer Date	Dec 20, 2018
Prior Transfer Doc	0000580643
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5322 NERO LAKE DR, KATY, TX 77449-2262
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131966
Date	Mar 15, 2021
Instrument	2021-131966

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Oct 1, 2050

October 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Oct 17, 2024
Property Address	5322 NERO LAKE DR, KATY, TX 77449-2262
Document Number	0000385114
Map Reference	MF 658260
Instrument Date	Oct 15, 2024
Instrument	2024-385114
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4403 BUENTELLO DR, KATY, TX 77449-2237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 NERO LAKE DR, KATY, TX 77449-2262

Mortgage

Document Number	0000385115
Date	Oct 17, 2024
Instrument	2024-385115

Lender

Name	CHAMPIONS MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5322 NERO LAKE DR, KATY, TX 77449-2262
Document Number	0000429884
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5322 NERO LAKE DR KATY TX 774492262, KATY, TX 77449-2262

Mortgage

Document Number	0000429884
Date	Sep 14, 2020
Instrument	429884

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5322 NERO LAKE DR, KATY, TX 77449-2262
Document Number	0000465975
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5322 NERO LAKE DR KATY TX 774492262, KATY, TX 77449-2262

Mortgage

Document Number	0000465975
Date	Oct 21, 2019
Instrument	465975

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2049

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Dec 31, 2018
Property Address	5322 NERO LAKE DR, KATY, TX 77449-2262
Document Number	0000580643
Instrument Date	Dec 20, 2018
Instrument	580643
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 9, 2019
Title Company	CELEBRITY TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 NERO LAKE DR KATY TX 774492262, KATY, TX 77449-2262

Mortgage

Document Number	580644
Date	Dec 31, 2018
Instrument	580644

Lender

Name	JNC MTG
Type	Mortgage Company
Address	EL PASO, TX 79928

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jun 28, 2018
Property Address	5322 NERO LAKE DR, KATY, TX 77449-2262
Document Number	0000290597
Instrument Date	Jun 26, 2018
Instrument	290597
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	CELEBRITY TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12300 MONTWOOD DR HORIZON CITY TX 799285653, HORIZON CITY, TX 79928-5653
Investor	Possibly a Property Investor

Mortgage

Document Number	290598
Date	Jun 28, 2018
Instrument	290598

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	HOUSTON, TX 77024

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5322 Nero Lake Dr was $7,268 with a homeowner's exemption, up 240.4% 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	Cypress-Fairbanks Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$344,430 (-8.45%) Land $56,528 Building $287,902	$344,430 (-8.45%) Land $56,528 Building $287,902
2025	$7,268.00 (+240.42%) Homeowner's exemption	$376,201 Land $56,528 Building $319,673	$376,201 Land $56,528 Building $319,673
2024	$2,135.00
2023		$388,599 Land $56,528 Building $332,071	$388,599 Land $56,528 Building $332,071
2022	$1,776.00
2020	$1,718.00

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

Flood

FEMA maps place 5322 Nero Lake Dr in Zone X, an area of minimal flood risk.

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force

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

Wildfire risk around 5322 Nero Lake 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 98% of the US · lower than 98.8% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARRIS COUNTY MUD 167 serves 16,761 people · EPA ID TX1012842
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2022–2024) 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. 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 710 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

May also be available: T-Mobile, Verizon.

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