5965 Whispering Lakes Dr, Katy, TX 77493 Property Records

Waller County property record for 5965 Whispering Lakes Dr, Katy, TX 77493

Property Summary

Property Type	Single Family Home
Details	2,644 sqft · built 2002
Lot Size	0.2 acres (8,711 sqft)
Owner	2 Individual Names on File
Last Sale	$81,300 (Dec 2020)
Tax Bill	$3,903 (2025)
Deeds & Mortgages	Mar 2026 Reverse Mortgage Jan 2026 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`938901-001-017-000`

Property Details

APN / Parcel Number

Primary APN	`938901-001-017-000`
Alternative APNs	`R180604` `180604`

Interior

Stories	1 Story
Building Area	2,644 sqft Living Area
1st Floor Area	2,644 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	8,711 sqft (0.2 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	5965 WHISPERING LAKES DR
City	KATY
State	TX
Zip	77493-2280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S938901 WHISPERING LAKES (REPLAT) BLK 1 LOT 17
Legal Subdivision	WHISPERING LAKES (REPLAT)
Legal Block	1
Legal Lot Number	17
Jurisdiction	WALLER TX
Township / Civil Division	BROOKSHIRE
Census Block Group	2
Census Block	2077
Census Tract	680100

Owner

Source: Waller County assessment roll, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 13, 2026	Warranty Deed, Transfer STEWART TITLE
Dec 21, 2020	Vendor's Lien, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Nov 29, 2007 · Amount on Record
Deed Document Number	202012845
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280

Mortgage

Document Number	0002603194
Date	Mar 10, 2026
Instrument	2603194

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALLER TX
Recording Date	Jan 13, 2026
Property Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280
Document Number	0002600460
Map Reference	VOL 602 PG 64
Instrument Date	Jan 12, 2026
Instrument	2600460
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WALLER TX
Recording Date	Dec 21, 2020
Property Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280
Document Number	0002012845
Map Reference	VVOL 602 PG 64
Instrument Date	Dec 18, 2020
Instrument	2012845
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	TRADITIONAL TITLE COMPANY, TRADITION TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5965 WHISPERING LAKES DR, KATY, TX 77493-2280

Mortgage

Document Number	0002012846
Date	Dec 21, 2020
Instrument	2012846

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Waller County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Katy City
County	Waller County
Unified School District	Katy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,903.00 (+196.36%) Homeowner's exemption Senior Citizen's exemption	$348,250 (-10.56%) Land $81,000 Building $267,250	$348,250 (-10.56%) Land $81,000 Building $267,250
2024	$1,317.00 (-99.11%)
2023		$389,380 Land $81,000 Building $308,380	$389,380 Land $81,000 Building $308,380
2021	$148,792.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 785 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	785 in force
Nearby Flood Claims	55 (2016–2022)
Claims Outside the SFHA	37 of 55
Most Recent Claim	Sep 2022 · tidal / storm surge
Claims by Event	Hurricane Harvey, Aug 2017 · 49 claims Severe Storms And Flooding, Apr 2016 · 5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Water System	CITY OF KATY serves 25,253 people · EPA ID TX1010017
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 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. 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Consolidated Communications Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ezee Fiber Texas, T-Mobile USA.

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