Harris County property record for 622 E Spreading Oak Dr, Houston, TX 77076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,026 sqft · built 1956 |
| Lot Size | 0.154 acres (6,710 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,400 (Jun 2024) |
| Tax Bill | $5,100 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Jun 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 086-112-000-0024 |
| Primary APN | 086-112-000-0024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,026 sqft Living Area |
| 1st Floor Area | 2,026 sqft |
| Game Room | Game Room |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 6,710 sqft (0.154 acres) |
| View / Lot | Neighborhood |
| Porch | Open Frame Porch |
| Porch Area | 180 sqft |
| Patio Area | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0861120000024 |
|---|---|
| Street Address | 622 E SPREADING OAK DR |
| City | HOUSTON |
| State | TX |
| Zip | 77076-2223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 24 BLK 2 VELVA ROSE |
| Legal Subdivision | VELVA ROSE |
| Legal Block | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 221501 |
Source: Harris County records · APN 086-112-000-0024
Assessment roll updated May 26, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 622 E SPREADING OAK DR, HOUSTON, TX 77076-2223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jun 02, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 03, 2024 | Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 20, 2020 | Loan Modification, Mortgage MIDFIRST BK |
| Jun 06, 2017 | Loan Modification, Mortgage MIDFIRST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 03, 2024 · Amount on Record |
| Deed Sale | Jun 03, 2024 · Amount on Record |
| Prior Sale | May 27, 1999 · Amount on Record |
| Deed Document Number | 2024200356 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 622 E SPREADING OAK DR, HOUSTON, TX 77076-2223 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 27907 COCHRAN PARK TRL, SPRING, TX 77386-4431 |
| Document Number | 0000210011 |
|---|---|
| Date | Jun 02, 2025 |
| Instrument | 2025-210011 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2040 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Jun 03, 2024 |
| Property Address | 622 E SPREADING OAK DR, HOUSTON, TX 77076-2223 |
| Document Number | 0000200356 |
| Map Reference | VOL 50 PG 62 |
| Instrument Date | May 31, 2024 |
| Instrument | 2024-200356 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | TRUE TITLE, TRULY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12427 OAKCROFT DR, HOUSTON, TX 77070-2238 |
| Name | Verified Name |
|---|---|
| Address | 622 E SPREADING OAK DR, HOUSTON, TX 77076-2223 |
| Document Number | 0000200357 |
|---|---|
| Date | Jun 03, 2024 |
| Instrument | 2024-200357 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2054 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 622 E SPREADING OAK DR, HOUSTON, TX 77076-2223 |
| Document Number | 0000081119 |
| Instrument Date | Jan 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 622 E SPREADING OAK DR HOUSTON TX 770762223, HOUSTON, TX 77076-2223 |
| Document Number | 0000081119 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 81119 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 23, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 622 E SPREADING OAK DR, HOUSTON, TX 77076-2223 |
| Document Number | 0000287373 |
| Instrument Date | Jun 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 622 E SPREADING OAK DR HOUSTON TX 770762223, HOUSTON, TX 77076-2223 |
| Document Number | 0000287373 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | 287373 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Harris County records · Assessment roll updated May 26, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Municipality | Houston City |
| Unified School District | Houston Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,100.00 (+160.74%) | $240,000 (-3.06%) Land $39,030 Building $200,970 | $240,000 (-3.06%) Land $39,030 Building $200,970 |
| 2024 | $1,956.00 (+21.95%) | ||
| 2023 | $247,575 Land $39,030 Building $208,545 | $247,575 Land $39,030 Building $208,545 | |
| 2022 | $1,604.00 (-16.93%) | ||
| 2020 | $1,931.00 |
Source: FEMA National Flood Hazard Layer, Harris County (48201C), updated May 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482012215011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 8 (2017–2024) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Jul 2024 · Hurricane Beryl |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 633 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications, T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF HOUSTON serves 2,970,543 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2024) action level 15 ppb |
| Water Quality | Turbidity resolved · May 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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