5523 Saddle Bred Dr, Houston, TX 77084 Property Records

Harris County property record for 5523 Saddle Bred Dr, Houston, TX 77084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,952 sqft · built 2001
Lot Size	0.176 acres (7,679 sqft)
Owner	2 Individual Names on File
Last Sale	$205,600 (Sep 2018)
Tax Bill	$4,522 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2021 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`119-064-003-0015`

Property Details

APN / Parcel Number

Primary APN	`119-064-003-0015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,952 sqft Living Area
1st Floor Area	1,672 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2016
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,679 sqft (0.176 acres)
View / Lot	Flood Plain
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	48 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1190640030015
Street Address	5523 SADDLE BRED DR
City	HOUSTON
State	TX
Zip	77084-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15 BLK 3 SAVANNAH ESTATES
Legal Subdivision	SAVANNAH ESTATES
Legal Block	3
Legal Lot Number	15
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	1
Census Block	1022
Census Tract	540601

Owner

5523 Saddle Bred Dr is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	16607 ROYAL MILE LN, HOUSTON, TX 77084-2867
Occupancy	Owner Occupied
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
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Dec 15, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Dec 23, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONS LNDG
Jan 27, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONS LNDG
Sep 24, 2018	Warranty Deed, Transfer · VA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on File
Deed Sale	Sep 24, 2018 · Amount on File
Prior Sale	Mar 30, 2016 · Amount on File
Deed Document Number	2018437280
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Recording Date	Sep 23, 2026
Property Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150
Document Number	0000386760
Instrument Date	Sep 18, 2026
Instrument	2026386760
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150

Mortgage

Document Number	0000386760,
Date	Sep 23, 2026
Instrument	2026386760

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2036

Interest

Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000714830
Date	Dec 15, 2021
Instrument	2021-714830

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020631250
Date	Dec 23, 2020
Instrument	2020-631250

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150
Document Number	0000631250
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5523 SADDLE BRED DR HOUSTON TX 770843150, HOUSTON, TX 77084-3150

Mortgage

Document Number	0000631250
Date	Dec 23, 2020
Instrument	631250

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150
Document Number	0000047191
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	TEXAS AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5523 SADDLE BRED DR HOUSTON TX 770843150, HOUSTON, TX 77084-3150

Mortgage

Document Number	0000047191
Date	Feb 3, 2020
Instrument	47191

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Sep 24, 2018
Property Address	5523 SADDLE BRED DR, HOUSTON, TX 77084-3150
Document Number	0000437280
Instrument Date	Sep 24, 2018
Instrument	437280
Transaction Type	Transfer
Record Updated	Oct 9, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16607 ROYAL MILE LN HOUSTON TX 770842867, HOUSTON, TX 77084-2867

Mortgage

Document Number	437281
Date	Sep 24, 2018
Instrument	437281

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5523 Saddle Bred Dr was $4,522 with exemptions applied, up 127.8% 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		$415,322 (-3.59%) Land $74,632 Building $340,690	$415,322 (-3.59%) Land $74,632 Building $340,690
2025	$4,522.00 (+127.81%) Homeowner's exemption Veteran's exemption Additional exemption filed	$430,766 Land $59,212 Building $371,554	$430,766 Land $59,212 Building $371,554
2024	$1,985.00
2023		$446,379 Land $56,436 Building $389,943	$446,379 Land $56,436 Building $389,943
2022	$1,646.00
2020	$1,403.00

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

Flood

FEMA maps place 5523 Saddle Bred 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 263 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	263 in force
Nearby Flood Claims	398 (2000–2024)
Claims Outside the SFHA	239 of 398
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Hurricane Harvey, Aug 2017 · 235 claims Severe Storms And Flooding, Apr 2016 · 81 claims Hurricane Ike, Sep 2008 · 18 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

Wildfire risk around 5523 Saddle Bred 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 102 serves 10,401 people · EPA ID TX1010503
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 492 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: Ezee Fiber.

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