Homes for Sale/Harris County/Houston/Winchester Country Sec 02
Active MLS #11423313 · 12 days on market

10514 Saddlehorn Trail

Houston, TX 77064
Subdivision  ·  Winchester Country Sec 02
List Price
$295,000
$150/SF
Beds
4
Baths
2
Sq Ft
1,970
Built
1984
Lot
6,660 sf
Garage
2-car
County
Harris
Tax Rate
2.13%

Schools

§ 03
District
Elementary BANG EL B
Middle COOK MIDDLE B
High JERSEY VILLAGE H S CCMR 72% · Grad 92% B
TEA accountability ratings reflect 2024–25 where available. School attendance zones are subject to district redistricting — confirm directly with the district before making a school-based decision.

Overview

§ 01

Welcome to a beautifully maintained 4-bedroom, 2-bath home in Winchester Country. Spacious open floor plan flows through the 1,970 sq.ft. home featuring upgraded carpet, wood and tile flooring. The kitchen features granite counter-tops, white cabinetry, breakfast bar, black appliances and stainless steel stove with great size pantry. Roof replaced in 2020. 5 tonnage AC still under warranty. Refrigerator, washer and dryer included. Gutters all around and nicely landscaped. Covered patio ready for the weekend BBQ's and family gatherings! The neighborhood offers amenities such as pool, playground, and tennis courts, it is zoned to Cypress-Fairbanks ISD schools. Conveniently located near shopping centers, hospitals, and with easy access to major traffic corridors. Never flooded! Don’t miss out, this one offers nice upgrades, unmatched flexibility and value.

Features

§ 02

Interior

  • All Bedrooms Down
  • Breakfast Bar
  • Dual Sinks
  • Double Vanity
  • High Ceilings
  • Kitchen Family Room Combo
  • Pantry
  • Sink
  • Tub Shower
  • Walk In Pantry
  • Window Treatments
  • Dishwasher
  • Gas Cooktop
  • Disposal
  • Gas Oven
  • Microwave
  • Carpet
  • Tile

Exterior & lot

  • Covered Patio
  • Fence
  • Patio
  • Private Yard
  • Subdivision
  • Side Yard
  • Back Yard
  • Covered
  • Deck
  • Roof: Composition
  • Foundation: Slab
  • Attached
  • Garage
  • Association

Community

  • Clubhouse
  • Dog Park
  • Park
  • Pool
  • Tennis Courts
  • Smoke Detectors
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 1984
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 1,970 sq ft
Living Area Source Appraiser
Building Area Total 1,970 sq ft
Foundation Slab
Construction Brick, Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 4
Bedrooms Possible 4
Bathrooms (total) 2
Bathrooms Full 2
Bathrooms Half 0
Rooms Total 11
Fireplaces 1
Fireplace Features Wood Burning

Interior

Interior Features All Bedrooms Down, Breakfast Bar, Dual Sinks, Double Vanity, High Ceilings, Kitchen Family Room Combo, Pantry, Sink, Tub Shower, Walk In Pantry, Window Treatments
Flooring Carpet, Tile, Wood
Appliances Dishwasher, Gas Cooktop, Disposal, Gas Oven, Microwave
Laundry Washer Hookup, Electric Dryer Hookup
Windows Window Coverings
Security Smoke Detectors

Exterior

Exterior Features Covered Patio, Fence, Patio, Private Yard
Patio / Porch Covered, Deck, Patio
Fencing Back Yard
Pool Private No
Pool Features Association

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (sq ft) 6,660
Lot Size (acres) 0.1529
Lot Size Source Appraiser
Lot Features Subdivision, Side Yard
Direction Faces Southeast

Location

County Harris
MLS Area Major 10
MLS Area Minor Jersey Village
Subdivision Winchester Country Sec 02
Road Surface Concrete
Postal Code 77064

Utilities

Heating Central, Gas
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer
Energy Efficient Hvac

HOA / Association

HOA Yes
HOA Fee $360
HOA Fee Frequency Annually
HOA Name Winchester Country
Fee Includes Clubhouse, Recreation Facilities
Amenities Clubhouse, Dog Park, Park, Pool, Tennis Courts

Taxes, Terms & Disclosures

Tax Annual Amount $6,296
Tax Year 2025
Tax Rate (est.) 2.13%
Parcel # 115-200-003-0021
Legal Description LT 21 BLK 3 WINCHESTER COUNTRY SEC 2
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Municipal Utility District Disclosure

Room Layout

§ 04 · 11 rooms · MLS-supplied

Main level · 10

Primary Bedroom 16x12
Bedroom 12x11
Bedroom 12x10
Bedroom 11x10
Primary Bathroom
Bathroom
Den 20x15
Dining Room 20x13
Kitchen 12x11
Living Room 22x22

Other · 1

Utility Room

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice
Not in archive
This MUD is not yet in our §49.452 archive. We'll add it on request.

Texas Water Code §49.452 requires districts to publish annual notices with tax rate, bonded indebtedness, and assessed value. Most Harris-area MUDs publish these; a handful managed by Inframark do not.

Request this notice
● What this tells you

The §49.452 notice is the only public document that lists a MUD's exact tax rate, outstanding bond debt, and the assessed value used to compute your taxes — direct from the district, not the MLS. If the district is newer or has more bonds outstanding than its neighbors, your effective tax rate will be higher here than just across the street.

Listing's rolled-up MUD rate 0.4200 Resolved MUD jurisdiction West Harris County MUD 10 Match confidence
● Comptroller-verified financials · FY2024

We don't yet have the §49.452 notice for this district on file, but Texas Comptroller SB 625 financial data is available. Numbers below come from the district's annual SPDPID filing — the same dataset auditors use.

Ad Valorem Rate
0.4500
per $100 assessed
Outstanding Bonds
$0
principal outstanding
Authorized Debt
$0
total authorized
Comptroller TPID32064101440 Filed underWest Harris County Municipal Utility District #10 Total tax rate0.0000 (M/O 0.0000 + I/S 0.0000) Crosswalk methodexact name match

Source: Texas Comptroller SPDPID (SB 625), FY2024 annual filing. The §49.452 notice itself will load here when we obtain the PDF.

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$2,296
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,771 Property tax$525 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,296
Yearly HOA fee $360

Illustrative only, not a quote. P&I assumes the values entered above. Insurance and HOA dues vary — consult licensed lender and insurance agent for accurate quote.

● Effective tax rate · 3-year history
2.2607%
ALL 9 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
0.42%
→ stable
School
1.07%
→ stable
City
→ stable
County
0.38%
→ stable
Other districts
0.39%
→ stable

HOA & Community

§ 05
● HOA details
$360
ANNUALLY
Association nameWinchester Country Management co. Website Phone Cert on filepending
Fee includes
Clubhouse · RecreationFacilities
● Community amenities
park
· 0.2mi
· 0.2mi
Winchester County Park · 0.4mi
daycare
Kolbe Kids’ Early Childhood Program · 0.5mi
Childtime · 0.8mi
Pine's Learning Center · 1.2mi
library
Williford Parish Library · 0.6mi
· 1.3mi
Northwest Branch Library · 3.4mi
restaurant
Wingstop · 0.6mi
Takos La Gorda · 0.6mi
Sonic · 0.6mi
urgent_care
Memorial Hermann-GoHealth Urgent Care · 0.6mi
Neighbors Emergency Center · 5.9mi
Concentra Urgent Care · 1.8mi
place_of_worship
Saint Maximilian Kolbe Catholic Church · 0.6mi
The Church of Jesus Christ of Latter-day Saints · 0.6mi
Church of Christ - Jersey Village · 1.0mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
8,000 Mbps
Fiber available · cable ok
Fiber to the Premises
Ezee Fiber
8,000 / 8,000 Mbps
● LOW LATENCY
Fiber to the Premises
AT&T
5,000 / 5,000 Mbps
● LOW LATENCY
Coaxial Cable
Xfinity
2,000 / 250 Mbps
● LOW LATENCY
Licensed Fixed Wireless
Verizon
300 / 20 Mbps
● LOW LATENCY
NGSO Satellite
Starlink
280 / 30 Mbps
● LOW LATENCY
Copper
AT&T
100 / 20 Mbps
● LOW LATENCY
Licensed Fixed Wireless
T-Mobile
100 / 20 Mbps
● LOW LATENCY
GSO Satellite
Viasat Inc
100 / 3 Mbps
+ 2 additional provider(s)

Environmental Risk

§ 08
X
FEMA Zone
Zone X · Minimal risk
Outside 100-year and 500-year floodplains. No flood insurance required by lender.
PANEL 48201C SFHA NO SOURCE 48201C_FIRM2
🌡 Heat days >95°F
65 days/yr above 95°F
Plus 11 days above 100°F. NOAA station records, 2016-2025 average.
💨 30-day air quality
AQI 48 · Good
Average daily AQI for the 30 days ending 2026-04-01. EPA AQS county monitors. Higher = worse.
🌵 Drought (current)
No drought (D1 or worse)
US Drought Monitor county reading, week of 2026-09-15.
Sources: FEMA NFHL · NOAA GHCN-Daily · EPA AQS · US Drought Monitor. Climate rollup last computed Sep 23, 2026.

Recent Comparable Sales

§ 09
1 comparable sale nearbyAddress-level sold detail is available to registered users. Reach out to Allen for the full comparable-sales report.

Subdivision & Master Plan

§ 10
● Master plan
Winchester Country Sec 02
TIER: SUBDIVISION
Subdivision name (MLS)Winchester Country Sec 02 City · ZIPHouston · 77064 CountyHarris Listings in subdivision102 Active now5 Sold (last 12 mo)4 Curated amenities60
● Year-built distribution
1980s 4 1985s 1

Fire Protection

§ 11
Nearest station
Cy - Fair Volunteer Fire Department Station 10
Distance
0.9 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48201551705 · ACS 2023
Median HH income
$107,680
ACS 2023
Median home value
$218,900
Census self-report
Owner-occupied
59%
1,645 housing units
Bachelor's+
39%
Adults 25+
Median age
33.8
Population 4,645
Work from home
22%
of commuters
Commute 45min+
13%
of commuters
Below poverty
8.3%
tract-level

Amenities & Nearby Places

§ 13

Active listing — amenities should populate from the go-live pipeline. Click to fetch now if missing.

Location & Neighborhood

§ 13
● This Home
10514 Saddlehorn Trail, Houston, TX 77064
Harris County · 29.92°N, 95.58°W
park
0.2 mi · 6 within 2 mi
daycare
Kolbe Kids’ Early Childhood Program
0.5 mi · 1 within 2 mi
library
Williford Parish Library
0.6 mi · 1 within 2 mi
restaurant
Wingstop
0.6 mi · 4 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Sep 11, 2026 Listed $295,000 Catherine Navarro
Dec 31, 1983 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Catherine Navarro · The Sears Group
Data provided by Houston Realtors Information Service (HAR MLS). Information deemed reliable but not guaranteed. All measurements, square footage, and school assignments should be independently verified. HAR MLS content last updated Sep 23, 2026.
MLS# 11423313 · LIST DATE: Sep 11, 2026 · PARCEL: 115-200-003-0021
R
EHO
REALTOR® · Equal Housing Opportunity
HAR.com Copyright © 2026, Houston Realtors Information Service, Inc. Deemed reliable, not guaranteed — independently verify. HARMLS last updated Sep 23, 2026, 11:00 PM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity