Homes for Sale/Harris County/Katy/Lakeville
Active MLS #77725360 · 95 days on market

20826 Settlers Lake Cir N Circle

Katy, TX 77449
Subdivision  ·  Lakeville
List Price
$275,000
$129/SF
Beds
4
Baths
3
Sq Ft
2,140
Built
2004
Lot
3,891 sf
Garage
2-car
County
Harris
Tax Rate
1.46%

Schools

§ 03
District
Elementary HEMMENWAY EL B
Middle ROWE MIDDLE B
High CYPRESS PARK H S CCMR 72% · 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

Welcome to this charming two-story home located in the desirable Lakeville community, ideally situated between N. Fry Road and Freeman Road with access to the highly acclaimed Cy-Fair ISD. This well-designed floor plan features 4 bedrooms, 2.5 bathrooms, and an inviting open-concept layout that seamlessly connects the kitchen, dining area, and living room—perfect for everyday living and entertaining. The spacious primary suite is conveniently located on the first floor, while three additional bedrooms are upstairs, providing privacy and flexibility for family or guests. Enjoy a low-maintenance backyard, a detached two-car garage, and easy access to the community’s scenic lake trails and beautiful water views. Conveniently located near shopping, dining, parks, and major commuter routes, this home offers the perfect blend of comfort, convenience, and lifestyle.

Features

§ 02

Interior

  • Dishwasher
  • Electric Oven
  • Disposal
  • Microwave
  • Carpet
  • Laminate
  • Tile
  • Heat: Central
  • Heat: Gas
  • Cool: Central Air
  • Cool: Electric
  • Washer Hookup
  • Electric Dryer Hookup

Exterior & lot

  • Subdivision
  • Roof: Composition
  • Foundation: Slab
  • Detached
  • Garage

Community

  • Maintenance Grounds
  • Picnic Area
  • Playground
  • Trails
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2004
Year Built Source Builder
New Construction No

Building

Stories 2
Levels Two
Living Area 2,140 sq ft
Living Area Source Builder
Building Area Total 2,140 sq ft
Foundation Slab
Construction Cement Siding
Roof Composition

Rooms & Baths

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

Interior

Flooring Carpet, Laminate, Tile
Appliances Dishwasher, Electric Oven, Disposal, Microwave
Laundry Washer Hookup, Electric Dryer Hookup

Exterior

Pool Private No

Parking & Garage

Garage Spaces 2
Attached Garage No
Parking Features Detached, Garage

Lot

Lot Size (sq ft) 3,891
Lot Size Source Survey
Lot Features Subdivision

Location

County Harris
MLS Area Major 25
MLS Area Minor Bear Creek South
Subdivision Lakeville
Postal Code 77449

Utilities

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

HOA / Association

HOA Yes
HOA Fee $702
HOA Fee Frequency Annually
HOA Name Spectrum Association Management
Amenities Maintenance Grounds, Picnic Area, Playground, Trails

Taxes, Terms & Disclosures

Tax Annual Amount $4,026 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 1.46%
Parcel # 124-624-002-0061
Legal Description Lot 61, block 2, of Lakeville, section 3
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 10 rooms · MLS-supplied

Main level · 5

Primary Bedroom 14x14
Kitchen 15x11
Dining Room 16x13
Living Room 14x14
Primary Bathroom 9x5

Second level · 5

Game Room 20x13
Bedroom 12x10
Bedroom 11x10
Bedroom 10x10
Utility Room 10x6

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice on file
0.6100
TOTAL TAX RATE · PER $100 ASSESSED · 2026
JurisdictionHarris County MUD 105 CountyHarris TCEQ District ID3737258 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 0.6100 Resolved MUD jurisdiction Harris County MUD 105 Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$1,986
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,651 Property tax$335 Homeowners insuranceTBD
Subtotal (P&I + Tax) $1,986
Yearly HOA fee $702

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
2.4507%
ALL 9 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
0.61%
→ stable
School
→ stable
City
→ stable
County
0.38%
→ stable
Other districts
1.46%
→ stable

HOA & Community

§ 05
● HOA details
$702
ANNUALLY
Association nameSpectrum Association Management Management co.Inframark Websitevisit Phone(281) 870-0585 Cert on filehoa.texas.gov
● Community amenities
veterinary
Affordable Pet Clinic Katy · 0.4mi
VCare Animal Clinic · 0.8mi
The KAAWS Clinic · 3.3mi
restaurant
Whataburger · 0.4mi
Taco Bell · 0.4mi
McDonald's · 0.5mi
park
· 0.5mi
Eagle Ranch West Pocket Park · 0.6mi
· 0.5mi
bank
Chase · 0.5mi
Chase Bank · 4.7mi
Wells Fargo · 0.5mi
urgent_care
Apex Urgent Care Katy · 0.5mi
Neighbors Emergency Center · 4.8mi
Next Level Urgent Care - Cypress · 2.3mi
gym
· 0.6mi
· 0.6mi
· 0.6mi

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
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
Licensed Fixed Wireless
AT&T
100 / 20 Mbps
● LOW LATENCY
+ 1 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_LOMC166
🌡 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
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
Lakeville
TIER: SUBDIVISION
Subdivision name (MLS)Lakeville City · ZIPKaty · 77449 CountyHarris Listings in subdivision2,259 Active now7 Sold (last 12 mo)5 Curated amenities60
● Year-built distribution
2000s 5 2005s 1 2010s 1

Fire Protection

§ 11
Nearest station
Cy - Fair Volunteer Fire Department Station 12
· Katy
Distance
1.8 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48201542201 · ACS 2023
Median HH income
$97,575
ACS 2023
Median home value
$247,900
Census self-report
Owner-occupied
87%
1,793 housing units
Bachelor's+
19%
Adults 25+
Median age
28.6
Population 7,147
Work from home
14%
of commuters
Commute 45min+
13%
of commuters
Below poverty
10.8%
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
20826 Settlers Lake Cir N Circle, Katy, TX 77449
Harris County · 29.87°N, 95.73°W
veterinary
Affordable Pet Clinic Katy
0.4 mi · 1 within 2 mi
restaurant
Whataburger
0.4 mi · 4 within 2 mi
park
0.5 mi · 6 within 2 mi
bank
Chase
0.5 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Jun 20, 2026 Listed $275,000 Argenis Moya Ramos
Dec 31, 2003 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Argenis Moya Ramos · Step Real Estate
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 Aug 27, 2026.
MLS# 77725360 · LIST DATE: Jun 20, 2026 · PARCEL: 124-624-002-0061
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