Homes for Sale/Harris County/Houston/Eldridge Park Sec 05
Active MLS #78368618 · 11 days on market

12806 Ridge Bank Lane

Houston, TX 77041
Subdivision  ·  Eldridge Park Sec 05
List Price
$444,900
$155/SF · 16.9% below neighborhood median
Beds
4
Baths
3
Sq Ft
2,875
Built
1999
Lot
0.17 ac
Garage
2-car
County
Harris
Tax Rate
2.18%

Schools

§ 03
District
Elementary KIRK EL B
Middle TRUITT MIDDLE C
High CYPRESS RIDGE H S CCMR 64% · Grad 95% 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 this charming four bedroom home nestled on a peaceful culdesac. As you enter, you'll be greeted by a spacious 2 story tile entry leading to a study with French doors, a formal dining room with high ceilings and tile flooring, and a cozy family room with a fireplace. The large island kitchen boasts granite countertops, perfect for entertaining. The spacious master suite features tray ceiling, a sitting area, whirlpool tub, and a frameless shower. With 2 bedrooms downstairs and a gameroom upstairs, this home offers flexibility. Outside, enjoy two patios - one with a pergola - and a detached garage with a work bench and extra storage space. Don't miss out on this gem!

Features

§ 02

Interior

  • Double Vanity
  • Kitchen Family Room Combo
  • Separate Shower
  • Two Bedrooms Down
  • Dishwasher
  • Electric Oven
  • Gas Cooktop
  • Disposal
  • Microwave
  • Heat: Central
  • Heat: Gas
  • Cool: Central Air
  • Cool: Electric
  • Washer Hookup
  • Electric Dryer Hookup

Exterior & lot

  • Cleared
  • Roof: Composition
  • Foundation: Slab
  • Attached
  • Garage

Community

  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 1999
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 2,875 sq ft
Living Area Source Appraiser
Building Area Total 2,875 sq ft
Foundation Slab
Construction Brick, Wood Siding
Roof Composition

Rooms & Baths

Bedrooms 4
Bathrooms (total) 3
Bathrooms Full 2
Bathrooms Half 1
Rooms Total 10
Fireplaces 1

Interior

Interior Features Double Vanity, Kitchen Family Room Combo, Separate Shower, Two Bedrooms Down
Appliances Dishwasher, Electric Oven, Gas Cooktop, Disposal, Microwave
Laundry Washer Hookup, Electric Dryer Hookup

Exterior

Pool Private No

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (acres) 0.1733
Lot Size Source Appraiser
Lot Features Cleared

Location

County Harris
MLS Area Major 8
MLS Area Minor Eldridge North
Subdivision Eldridge Park Sec 05
Postal Code 77041

Utilities

Heating Central, Gas
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer

HOA / Association

HOA Yes
HOA Fee $641
HOA Fee Frequency Annually
HOA Name Spectrum Association Management

Taxes, Terms & Disclosures

Tax Annual Amount $9,702
Tax Year 2026
Tax Rate (est.) 2.18%
Parcel # 119-137-001-0017
Legal Description LT 17 BLK 1 ELDRIDGE PARK SEC 5
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 10 rooms · MLS-supplied

Main level · 6

Primary Bedroom 20X15
Dining Room 12X12
Family Room 19X16
Kitchen 14X13
Office 13X11
Utility Room 8X5

Second level · 4

Bedroom 13X11
Bedroom 11X11
Bedroom 10X10
Game Room 13X12

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice on file
0.3500
TOTAL TAX RATE · PER $100 ASSESSED · 2026
JurisdictionHorsepen Bayou MUD CountyHarris TCEQ District ID4649000 Bonded indebtedness Current year rate FetchedApr 27, 2026
● Verdict unknown
● 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 0.3500 Resolved MUD jurisdiction Horsepen Bayou MUD Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$3,480
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,671 Property tax$809 Homeowners insuranceTBD
Subtotal (P&I + Tax) $3,480
Yearly HOA fee $641

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 · 5-year history
2.1907%
ALL 9 TAXING DISTRICTS · 2025 BILL
20212022202320242025
MUD
0.35%
→ stable
School
1.07%
→ stable
City
→ stable
County
0.38%
→ stable
Other districts
0.39%
→ stable
YearM&OI&STotal MUD rate
2021 0.2500 0.1300 0.3800
2022 0.2500 0.1000 0.3500
2023 0.1000 0.2500 0.3500
2025 0.2500 0.1000 0.3500

HOA & Community

§ 05
● HOA details
$641
ANNUALLY
Association nameSpectrum Association Management Management co. Website Phone Cert on filepending
● Community amenities
park
Eldridge Park · 0.1mi
· 0.2mi
Central Bridge Park · 0.6mi
restaurant
Jack in the Box · 0.5mi
Chinois Orient Bistro · 0.7mi
McDonald's · 0.7mi
gas_station
Circle K · 0.5mi
Fuel Expo · 0.5mi
Shell · 1.0mi
bank
Bank Of Texas · 0.5mi
First Community Credit Union - Copperfield · 2.8mi
Chase Bank · 2.8mi
pharmacy
Walgreens · 0.6mi
Twin Lakes · 2.8mi
Walgreens · 2.2mi
grocery
Circle K · 0.6mi
Fuel Expo · 0.7mi
Kroger · 0.7mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
5,000 Mbps
Fiber available · cable ok
Fiber to the Premises
AT&T
5,000 / 5,000 Mbps
● LOW LATENCY
Fiber to the Premises
Hotwire Communications
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
72 days/yr above 95°F
Plus 24 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
8 comparable sales nearby · sold median $186/SFAddress-level sold detail is available to registered users. Reach out to Allen for the full comparable-sales report.

Subdivision & Master Plan

§ 10
● Master plan
Eldridge Park Sec 05
TIER: SUBDIVISION
Subdivision name (MLS)Eldridge Park Sec 05 City · ZIPHouston · 77041 CountyHarris Listings in subdivision21 Active now4 Sold (last 12 mo)1 Curated amenities60
● Year-built distribution
1995s 4

Fire Protection

§ 11
Nearest station
Cy - Fair Volunteer Fire Department Station 6
Distance
0.9 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48201540101 · ACS 2023
Median HH income
$245,513
ACS 2023
Median home value
$558,400
Census self-report
Owner-occupied
87%
2,300 housing units
Bachelor's+
68%
Adults 25+
Median age
44.0
Population 6,680
Work from home
21%
of commuters
Commute 45min+
2%
of commuters
Below poverty
4.4%
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
12806 Ridge Bank Lane, Houston, TX 77041
Harris County · 29.86°N, 95.60°W
park
Eldridge Park
0.1 mi · 6 within 2 mi
restaurant
Jack in the Box
0.5 mi · 6 within 2 mi
gas_station
Circle K
0.5 mi · 2 within 2 mi
bank
Bank Of Texas
0.5 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Sep 12, 2026 Listed $444,900 Samia Akra
Dec 31, 1998 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Samia Akra · Keller Williams Realty Metropolitan
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 19, 2026.
MLS# 78368618 · LIST DATE: Sep 12, 2026 · PARCEL: 119-137-001-0017
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