Schools

§ 03

District

Elementary	ADAM EL	B
Middle	ARNOLD MIDDLE	B
High	CY-FAIR H S CCMR 83% · Grad 96%	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

Great opportunity to own a HALF ACRE lot in a quiet, established neighborhood near Cypress North Houston. Located near Jones Road and close to local schools, this property offers a peaceful residential setting with convenient access to major roads, shopping, and daily amenities. Ideal for a future home or long-term investment, the lot is situated in an area known for its calm surroundings and family-friendly atmosphere, while still being a short drive from everything North Houston has to offer. Address for reference: 12139 Cathy St, Houston 77065

Features

§ 02

Interior

Not provided

Exterior & lot

Cleared
Subdivision

Community

Style: Patio Home

Property Details

§ 03 · Full MLS record

Property

Property Type	Land
Architectural Style	Patio Home

Rooms & Baths

Bathrooms (total)

0

Lot

Lot Size (acres)	0.5069
Lot Size Source	Appraiser
Lot Features	Cleared, Subdivision

Location

County	Harris
MLS Area Major	10
MLS Area Minor	1960/Cypress
Subdivision	Mossy Oaks Estates U/R
Road Surface	Concrete
Postal Code	77065

Utilities

Water Source	Public, None
Sewer	None

HOA / Association

HOA	Yes
HOA Fee	$86
HOA Fee Frequency	Annually
HOA Name	Mossy Oaks Civic Association

Taxes, Terms & Disclosures

Tax Annual Amount	$2,400 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year	2025 (county roll)
Tax Rate (est.)	1.23%
Parcel #	097-584-000-0180
Legal Description	LT 180 MOSSY OAKS ESTATES U/R
Listing Terms	Cash, Conventional, FHA, Investor Financing, Owner May Carry, Texas Vet, Usda Loan, Va Loan
Disclosures	None, Seller Disclosure

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 — Resolved MUD jurisdiction not mapped Match confidence —

Taxes & Cost of Ownership

§ 04

● Estimated monthly payment

$1,371

30-YR FIXED · ADJUST ASSUMPTIONS BELOW

Interest rate

%

Down payment

%

Principal & interest$1,171 Property tax$200 Homeowners insuranceTBD

Subtotal (P&I + Tax) $1,371

Yearly HOA fee $86

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

1.8407%

ALL 8 TAXING DISTRICTS · 2025 BILL

202320242025

MUD

—

→ stable

School

1.07%

→ stable

City

—

→ stable

County

0.38%

→ stable

Other districts

0.39%

→ stable

HOA & Community

§ 05

● HOA details

$86

ANNUALLY

Association nameMossy Oaks Civic Association Management co.— Websitevisit Phone(713) 464-3700 Cert on filemls-trestle

● Community amenities

gas_station

Chevron · 0.2mi
Kroger · 0.6mi
B!G Mart · 0.6mi

place_of_worship

Cypress Bible Church · 0.2mi
Citywell Church · 0.6mi
The Met.Church · 1.1mi

grocery

Prime Mart · 0.3mi
Best Stop · 0.5mi
B!G Mart · 0.6mi

park

CCS Playground · 0.4mi
Prayer Garden · 0.5mi
Regency Green Pocket Park · 0.9mi

veterinary

Cypress Veterinary Hospital · 0.5mi
VCA Jones Road Animal Hospital · 2.6mi
Petfolk Veterinary & Urgent Care - Vintage Park · 3.5mi

coffee

Tapioca Master · 0.5mi
Black Rifle Coffee Company · 1.4mi
Starbucks · 1.7mi

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_STUDY1

🌡 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

Mossy Oaks Estates U/R

TIER: SUBDIVISION

Subdivision name (MLS)Mossy Oaks Estates U/R City · ZIPHouston · 77065 CountyHarris Listings in subdivision41 Active now2 Sold (last 12 mo)1 Curated amenities60

● Year-built distribution

No build-year dataWill populate from the parcel roll.

Fire Protection

§ 11

Nearest station

Cypress Creek Fire Department - Station 22

Distance

0.4 mi

Straight-line from listing

ISO rating

—

Future data point

Avg. response

—

From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48201552402 · ACS 2023

Median HH income

$115,461

ACS 2023

Median home value

$317,800

Census self-report

Owner-occupied

83%

1,019 housing units

Bachelor's+

30%

Adults 25+

Median age

45.5

Population 2,996

Work from home

26%

of commuters

Commute 45min+

7%

of commuters

Below poverty

7.4%

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

12139 Cathy Drive, Houston, TX 77065

Harris County · 29.95°N, 95.59°W

gas_station

Chevron

0.2 mi · 3 within 2 mi

place_of_worship

Cypress Bible Church

0.2 mi · 2 within 2 mi

grocery

Prime Mart

0.3 mi · 4 within 2 mi

park

CCS Playground

0.4 mi · 2 within 2 mi

Interactive map coming in v0.2 — currently showing schematic placement.