Homes for Sale/Fort Bend County/Fresno/Winfield Lakes North Sec 1
Active MLS #87781559 · 48 days on market

2643 Cottage Step Trail

Fresno, TX 77545
Subdivision  ·  Winfield Lakes North Sec 1
List Price
$289,900
$121/SF · 3.0% below neighborhood median
Beds
3
Baths
3
Sq Ft
2,392
Built
2015
Lot
5,005 sf
Garage
2-car
County
Fort Bend
Tax Rate
2.92%

Schools

§ 03
District
Elementary ROSA PARKS EL C
Middle LAKE OLYMPIA MIDDLE D
High HIGHTOWER H S CCMR 51% · Grad 92% D
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 3-bedroom, 2.5-bathroom home located in the Winfield Lakes North Sec 1 neighborhood. This home features an inviting open floor plan that allows for a seamless flow between the main living and dining spaces. The kitchen is beautifully equipped with granite countertops and a modern mix of black and stainless-steel appliances, making it a highly functional and stylish centerpiece. From the main living area, step outside to enjoy a private, fully fenced-in backyard that provides a great space for outdoor relaxation and entertaining. This home is ideally situated, conveniently located near major commuter routes, shopping, dining, parks, and area schools. Schedule your private showing today!

Features

§ 02

Interior

  • All Bedrooms Up
  • Pantry
  • Loft
  • Carpet
  • Vinyl
  • Heat: Central
  • Heat: Gas
  • Cool: Central Air
  • Cool: Electric

Exterior & lot

  • Fence
  • Porch
  • Subdivision
  • Back Yard
  • Roof: Composition
  • Roof: Shingle
  • Roof: Wood
  • 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 2015
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 2,392 sq ft
Living Area Source Appraiser
Building Area Total 2,392 sq ft
Foundation Slab
Construction Brick, Other, Stone
Roof Composition, Shingle, Wood

Rooms & Baths

Bedrooms 3
Bathrooms (total) 3
Bathrooms Full 2
Bathrooms Half 1
Rooms Total 5

Interior

Interior Features All Bedrooms Up, Pantry, Loft
Flooring Carpet, Vinyl

Exterior

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

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (sq ft) 5,005
Lot Size (acres) 0.1149
Lot Size Source Appraiser
Lot Features Subdivision

Location

County Fort Bend
MLS Area Major 38
MLS Area Minor Missouri City Area
Subdivision Winfield Lakes North Sec 1
Road Surface Asphalt
Postal Code 77545

Utilities

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

HOA / Association

HOA Yes
HOA Fee $545
HOA Fee Frequency Annually
HOA Name Winfield Lakes Community Associat

Taxes, Terms & Disclosures

Tax Annual Amount $8,474 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 2.92%
Parcel # 8949-01-003-0090-907
Legal Description WINFIELD LAKES NORTH SEC 1, BLOCK 3, LOT 9
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Municipal Utility District Disclosure, Special Addendum

Room Layout

§ 04 · 5 rooms · MLS-supplied

Main level · 2

Living Room 13x14
Kitchen 8x8

Second level · 3

Primary Bedroom 12x14
Bedroom 10x10
Bedroom 10x10

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice on file
0.5500
TOTAL TAX RATE · PER $100 ASSESSED · 2025
JurisdictionFort Bend County MUD 24 CountyFort Bend TCEQ District ID3079900 Bonded indebtedness$52,770,000 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 1.1600 Resolved MUD jurisdiction Fort Bend County MUD 24 Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$2,447
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,741 Property tax$706 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,447
Yearly HOA fee $545

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
2.7374%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
1.16%
→ stable
School
1.06%
→ stable
City
→ stable
County
→ stable
Other districts
0.52%
→ stable

HOA & Community

§ 05
● HOA details
$545
ANNUALLY
Association nameWinfield Lakes Community Associat Management co. Website Phone Cert on filemls-trestle
● Community amenities
gas_station
PrimeSpot Gas Station · 0.7mi
Kroger · 1.7mi
Shell · 1.9mi
park
· 0.7mi
· 0.7mi
· 0.7mi
place_of_worship
Life Pointe Church · 1.3mi
Mount Cornith Church · 1.9mi
Masjid Ayesha · 2.4mi
restaurant
MOD Pizza · 1.5mi
Olive Garden · 1.6mi
Dutch Bros. Coffee · 1.6mi
coffee
Dutch Bros. Coffee · 1.7mi
grocery
· 1.9mi
Kroger · 1.8mi
Walmart Supercenter · 1.7mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
7,000 Mbps
Fiber available · cable ok
Fiber to the Premises
Frontier
7,000 / 7,000 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
AT&T
100 / 20 Mbps
● LOW LATENCY
GSO Satellite
Viasat Inc
100 / 3 Mbps
+ 3 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 48157C SFHA NO SOURCE 48157C_STUDY1
🌡 Heat days >95°F
72 days/yr above 95°F
Plus 24 days above 100°F. NOAA station records, 2016-2025 average.
🌵 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 $125/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
Winfield Lakes North Sec 1
TIER: SUBDIVISION
Subdivision name (MLS)Winfield Lakes North Sec 1 City · ZIPFresno · 77545 CountyFort Bend Listings in subdivision290 Active now2 Sold (last 12 mo)1 Curated amenities60
● Year-built distribution
2015s 2

Fire Protection

§ 11
Nearest station
Missouri City Fire and Rescue Services Station 4
Distance
2.8 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48157670902 · ACS 2023
Median HH income
$99,167
ACS 2023
Median home value
$249,300
Census self-report
Owner-occupied
91%
3,434 housing units
Bachelor's+
31%
Adults 25+
Median age
36.9
Population 9,910
Work from home
7%
of commuters
Commute 45min+
14%
of commuters
Below poverty
8.2%
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
2643 Cottage Step Trail, Fresno, TX 77545
Fort Bend County · 29.55°N, 95.49°W
park
0.7 mi · 5 within 2 mi
gas_station
PrimeSpot Gas Station
0.7 mi · 3 within 2 mi
place_of_worship
Life Pointe Church
1.3 mi · 2 within 2 mi
restaurant
MOD Pizza
1.5 mi · 5 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 6, 2026 Listed $289,900 Lynette Thomas
Dec 31, 2014 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Lynette Thomas · Entera Realty LLC
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 22, 2026.
MLS# 87781559 · LIST DATE: Aug 6, 2026 · PARCEL: 8949-01-003-0090-907
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