Homes for Sale/Harris County/Cypress/Pine Crk/Canyon Lake West4
Active MLS #23690824 · 47 days on market

20522 Saddleback Chase Lane

Cypress, TX 77433
Subdivision  ·  Pine Crk/Canyon Lake West4
List Price
$439,900
$145/SF · 2.4% above neighborhood median
Beds
4
Baths
4
Sq Ft
3,038
Built
2013
Lot
6,308 sf
Garage
2-car
County
Harris
Tax Rate
2.30%

Schools

§ 03
District
Elementary ANDRE EL C
Middle ANTHONY MIDDLE A
High CYPRESS SPRINGS H S CCMR 65% · Grad 90% 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

Special opportunities available! Seller will pay for rate buydown saving up to $400 per month on your monthly payment. Welcome home to this charming Craftsman-style residence in highly desirable Canyon Lakes West community of Cypress! Built in 2013, this beautifully maintained two-story home offers 3,038 square feet of thoughtfully designed living space with 4 spacious bedrooms, 3.5 bathrooms, and a 2-car garage. Inside, you’ll find an inviting floor plan that blends comfort and functionality, making it ideal for both everyday living and entertaining. The spacious layout provides room for everyone while maintaining a warm, welcoming feel. Step outside and enjoy all that Canyon Lakes West has to offer, including scenic lakes, walking trails, and a neighborhood park perfect for kids and outdoor recreation. Conveniently located near shopping, dining, and everyday conveniences, this home also benefits from highly acclaimed Cy-Fair ISD schools.

Features

§ 02

Interior

  • Kitchen Island
  • Kitchen Family Room Combo
  • Bath In Primary Bedroom
  • Main Level Primary
  • Walk In Pantry
  • Heat: Central
  • Heat: Gas
  • Cool: Central Air
  • Cool: Electric

Exterior & lot

  • Subdivision
  • 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 2013
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 3,038 sq ft
Living Area Source Appraiser
Building Area Total 3,038 sq ft
Foundation Slab
Construction Brick, Cement Siding, Vinyl Siding
Roof Composition

Rooms & Baths

Bedrooms 4
Bathrooms (total) 4
Bathrooms Full 3
Bathrooms Half 1
Rooms Total 8

Interior

Interior Features Kitchen Island, Kitchen Family Room Combo, Bath In Primary Bedroom, Main Level Primary, Walk In Pantry

Exterior

Pool Private No

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (sq ft) 6,308
Lot Size (acres) 0.1448
Lot Size Source Appraiser
Lot Features Subdivision

Location

County Harris
MLS Area Major 25
MLS Area Minor Cypress South
Subdivision Pine Crk/Canyon Lake West4
Postal Code 77433

Utilities

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

HOA / Association

HOA Yes
HOA Fee $1,090
HOA Fee Frequency Annually
HOA Name Stone Gate

Taxes, Terms & Disclosures

Tax Annual Amount $10,110 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 2.30%
Parcel # 129-821-001-0029
Legal Description LT 29 BLK 1 PINE CREEK AT CANYON LAKES WEST SEC 4
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Municipal Utility District Disclosure

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 3

Primary Bedroom 20X12
Dining Room 18X10
Kitchen 15X14

Second level · 5

Bedroom 13X12
Bedroom 15X11
Bedroom 12X11
Game Room 19X17
Media Room 19X12

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice on file
0.8200
TOTAL TAX RATE · PER $100 ASSESSED · 2026
JurisdictionHarris County MUD 165 CountyHarris TCEQ District ID3737388 Bonded indebtedness$724,084,000 Current year rate FetchedApr 25, 2026
● Rate not extracted
● 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 0.8200 Resolved MUD jurisdiction Harris County MUD 165 Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$3,483
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,641 Property tax$842 Homeowners insuranceTBD
Subtotal (P&I + Tax) $3,483
Yearly HOA fee $1,090

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
2.6607%
ALL 9 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
0.82%
→ stable
School
1.07%
→ stable
City
→ stable
County
0.38%
→ stable
Other districts
0.39%
→ stable

HOA & Community

§ 05
● HOA details
$1,090
ANNUALLY
Association nameStone Gate Management co. Website Phone Cert on filemls-trestle
● Community amenities
park
· 0.2mi
Adventurous Park · 1.4mi
· 0.2mi
urgent_care
Next Level Urgent Care - Cypress · 0.4mi
Neighbors Emergency Center · 5.7mi
AFC Urgent Care Bridgeland · 1.5mi
daycare
Lycee Montessori School - Cypress · 0.4mi
Texas Kids Childcare · 1.6mi
The Goddard School of Bridgeland · 2.1mi
grocery
· 0.4mi
· 0.5mi
Walmart Supercenter · 0.6mi
gas_station
Murphy Express · 0.5mi
Shell · 1.7mi
bank
TECU Credit Union · 0.5mi
Navy Federal Credit Union · 5.1mi
Wells Fargo · 1.6mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
8,000 Mbps
Fiber available · cable ok
Fiber to the Premises
Hotwire Communications
8,000 / 8,000 Mbps
● LOW LATENCY
Fiber to the Premises
AT&T
5,000 / 5,000 Mbps
● LOW LATENCY
Fiber to the Premises
Fidium Fiber
2,000 / 2,000 Mbps
● LOW LATENCY
Coaxial Cable
Xfinity
2,000 / 250 Mbps
● LOW LATENCY
Fiber to the Premises
Astound Broadband
1,500 / 1,500 Mbps
● LOW LATENCY
Fiber to the Premises
Xfinity
1,200 / 35 Mbps
● LOW LATENCY
Fiber to the Premises
Centric Fiber
1,000 / 1,000 Mbps
● LOW LATENCY
Licensed Fixed Wireless
Verizon
300 / 20 Mbps
● LOW LATENCY
+ 7 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_LOMC135
🌡 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 $141/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
Pine Crk/Canyon Lake West4
TIER: SUBDIVISION
Subdivision name (MLS)Pine Crk/Canyon Lake West4 City · ZIPCypress · 77433 CountyHarris Listings in subdivision27 Active now2 Sold (last 12 mo)2 Curated amenities60
● Year-built distribution
2010s 2

Fire Protection

§ 11
Nearest station
CY-Fair VFD Station 11
Distance
1.9 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48201543005 · ACS 2023
Median HH income
$104,315
ACS 2023
Median home value
$336,500
Census self-report
Owner-occupied
87%
2,760 housing units
Bachelor's+
32%
Adults 25+
Median age
32.6
Population 9,614
Work from home
11%
of commuters
Commute 45min+
5%
of commuters
Below poverty
12.8%
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
20522 Saddleback Chase Lane, Cypress, TX 77433
Harris County · 29.90°N, 95.73°W
park
0.2 mi · 6 within 2 mi
urgent_care
Next Level Urgent Care - Cypress
0.4 mi · 1 within 2 mi
daycare
Lycee Montessori School - Cypress
0.4 mi · 1 within 2 mi
grocery
0.4 mi · 3 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 7, 2026 Listed $439,900 Deborah Dimenna
Dec 31, 2012 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Deborah Dimenna · Heinen Realty 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# 23690824 · LIST DATE: Aug 7, 2026 · PARCEL: 129-821-001-0029
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, 10:44 PM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity