5968 Whispering Lakes Dr, Katy, TX 77493 Property Records

Waller County property record for 5968 Whispering Lakes Dr, Katy, TX 77493

Property Summary

Property Type	Single Family Home
Details	2,941 sqft · built 2002
Lot Size	0.2 acres (8,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,500 (May 2008)
Tax Bill	$6,112 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`938901-002-020-000`

Property Details

APN / Parcel Number

Primary APN	`938901-002-020-000`
Alternative APNs	`R180650` `180650`

Interior

Stories	1 Story
Building Area	2,941 sqft Living Area
1st Floor Area	2,941 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	8,920 sqft (0.2 acres)
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	5968 WHISPERING LAKES DR
City	KATY
State	TX
Zip	77493-2279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S938901 WHISPERING LAKES (REPLAT) BLK 2 LOT 20
Legal Subdivision	WHISPERING LAKES (REPLAT)
Legal Block	2
Legal Lot Number	20
Jurisdiction	WALLER TX
Township / Civil Division	BROOKSHIRE
Census Block Group	2
Census Block	2078
Census Tract	680100

Owner

Source: Waller County records, 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 Record
Mailing Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 11, 2024	Deed of Trust, Mortgage · Commercial Mortgage NAVY FCU
Dec 22, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit ZB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2008 · Amount on Record
Deed Sale	May 6, 2008 · Amount on Record
Prior Sale	Mar 30, 2005 · Amount on Record
Deed Document Number	2008803076
Deed Book / Page	1107 / 481
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Investor	Possibly a Property Investor

Mortgage

Document Number	0002100525
Date	Jan 11, 2024
Instrument	2100525

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2034

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Investor	Possibly a Property Investor

Mortgage

Document Number	0002400525
Date	Jan 11, 2024
Instrument	2400525

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2034

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Investor	Possibly a Property Investor

Mortgage

Document Number	0002216234
Date	Dec 22, 2022
Instrument	2216234

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77253

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2004610
Date	May 27, 2020
Instrument	2004610

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLER TX
Property Address	5968 WHISPERING LAKES DR, KATY, TX 77493-2279
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010300
Date	Oct 20, 2020
Instrument	2010300

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77253

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,112.00 (+239.93%) Homeowner's exemption	$391,720 (-10.6%) Land $90,000 Building $301,720	$391,720 (-10.6%) Land $90,000 Building $301,720
2024	$1,798.00 (-98.97%)
2023		$438,150 Land $90,000 Building $348,150	$438,150 Land $90,000 Building $348,150
2021	$174,572.00

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 500 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

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 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)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

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

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