Homes for Sale/Fort Bend County/Katy/Canyon Lakes At Cardiff Ranch
Active MLS #56279628 · 22 days on market

3403 Pennington Trace Drive

Katy, TX 77494
Subdivision  ·  Canyon Lakes At Cardiff Ranch
List Price
$708,000
$177/SF
Beds
5
Baths
5
Sq Ft
3,997
Built
2015
Lot
0.24 ac
Garage
2-car
County
Fort Bend
Tax Rate
1.72%

Schools

§ 03
District
Elementary KEIKO DAVIDSON EL A
Middle TAYS J H A
High TOMPKINS H S CCMR 90% · Grad 98% A
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 3403 Pennington Trace, a stunning retreat on a cul-de-sac lot Canyon Lakes at Cardiff Ranch. Zoned to Tays JHS & Tompkins HS in Katy ISD, this spacious 5-bedroom home blends comfort with high-end style, perfect for both quiet evenings & lively entertaining. The inviting foyer opens to a private study and formal dining room, leading into a bright, open-concept heart of the home. The chef-inspired kitchen features rich cabinetry, granite countertops, and an oversized island that overlooks a sun-drenched family room anchored by a cozy fireplace. The primary suite features a walk-in shower, garden tub and a massive walk-in closet. Upstairs, the game and media rooms offer the ultimate space for movie nights or play with 3 spacious secondary bedrooms. Step outside to your private backyard oasis, complete with an expansive covered patio and a refreshing pool. Enjoy a resort lifestyle at Cardiff Ranch with a clubhouse, gym, and pools—all minutes from LaCenterra’s dining & shopping.

Features

§ 02

Interior

  • Breakfast Bar
  • Crown Molding
  • Double Vanity
  • Entrance Foyer
  • En Suite Bathroom
  • Granite Counters
  • High Ceilings
  • Kitchen Island
  • Kitchen Family Room Combo
  • Bath In Primary Bedroom
  • Main Level Primary
  • Pantry
  • Soaking Tub
  • Separate Shower
  • Two Bedrooms Down
  • Vanity
  • Walk In Pantry
  • Walk In Closets

Exterior & lot

  • Covered Patio
  • Deck
  • Fully Fenced
  • Fence
  • Sprinkler Irrigation
  • Patio
  • Private Yard
  • Tennis Courts
  • Cul De Sac
  • Subdivision
  • Back Yard
  • Covered
  • Roof: Composition
  • Foundation: Slab
  • Additional Parking
  • Attached
  • Driveway
  • Garage

Community

  • Clubhouse
  • Fitness Center
  • Playground
  • Park
  • Pool
  • Tennis Courts
  • Trails
  • Security System Owned
  • Smoke Detectors
  • 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
Builder Name Westin

Building

Stories 2
Levels Two
Living Area 3,997 sq ft
Living Area Source Appraiser
Building Area Total 3,997 sq ft
Foundation Slab
Construction Brick, Stone, Wood Siding
Roof Composition

Rooms & Baths

Bedrooms 5
Bedrooms Possible 5
Bathrooms (total) 5
Bathrooms Full 4
Bathrooms Half 1
Rooms Total 12
Fireplaces 1
Fireplace Features Gas Log

Interior

Interior Features Breakfast Bar, Crown Molding, Double Vanity, Entrance Foyer, En Suite Bathroom, Granite Counters, High Ceilings, Kitchen Island, Kitchen Family Room Combo, Bath In Primary Bedroom, Main Level Primary, Pantry, Soaking Tub, Separate Shower, Two Bedrooms Down, Vanity, Walk In Pantry, Walk In Closets, Wired For Sound, Ceiling Fans, Programmable Thermostat
Flooring Carpet, Laminate, Tile
Appliances Dishwasher, Electric Oven, Electric Range, Disposal, Microwave, Energy Star Qualified Appliances
Laundry Washer Hookup, Electric Dryer Hookup
Windows Low Emissivity Windows
Security Security System Owned, Smoke Detectors
Indoor Air Quality Ventilation

Exterior

Exterior Features Covered Patio, Deck, Fully Fenced, Fence, Sprinkler Irrigation, Patio, Private Yard, Tennis Courts
Patio / Porch Covered, Deck, Patio
Fencing Back Yard
Pool Private Yes
Pool Features Gunite, Heated, In Ground, Association

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Additional Parking, Attached, Driveway, Garage, Garage Door Opener

Lot

Lot Size (acres) 0.2437
Lot Size Source Appraiser
Lot Features Cul De Sac, Subdivision
Direction Faces Southwest

Location

County Fort Bend
MLS Area Major 36
MLS Area Minor Katy - Southwest
Subdivision Canyon Lakes At Cardiff Ranch
Road Surface Concrete
Postal Code 77494

Utilities

Heating Central, Gas
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer
Energy Efficient Appliances, Doors, Exposure Shade, Hvac, Thermostat, Windows

HOA / Association

HOA Yes
HOA Fee $1,100
HOA Fee Frequency Annually
HOA Name Cardiff Ranch c/o RealManage
Fee Includes Clubhouse, Common Areas, Other, Recreation Facilities
Amenities Clubhouse, Fitness Center, Playground, Park, Pool, Tennis Courts, Trails

Taxes, Terms & Disclosures

Tax Annual Amount $12,196 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 1.72%
Parcel # 2254-05-001-0110-914
Legal Description CANYON LAKES AT CARDIFF RANCH SEC 5, BLOCK 1, LOT 11
Listing Terms Cash, Conventional
Lease Considered No
Disclosures Municipal Utility District Disclosure, Seller Disclosure

Room Layout

§ 04 · 12 rooms · MLS-supplied

Main level · 7

Family Room 24x18
Breakfast Room Nook 9x11
Kitchen 17x11
Dining Room 11x16
Office 14x10
Primary Bedroom 19x13
Bedroom 16x11

Second level · 5

Game Room 12x20
Media Room 9x17
Bedroom 11x16
Bedroom 16x11
Bedroom 13x11

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice on file
0.7300
TOTAL TAX RATE · PER $100 ASSESSED · latest on file
JurisdictionFort Bend County MUD 58 CountyFort Bend TCEQ District ID3080008 Bonded indebtedness$192,400,000 Current year rate0.7000 FetchedApr 23, 2026
● Stale — high risk
● 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 0.7000 Resolved MUD jurisdiction Fort Bend County MUD 58 Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$5,267
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$4,251 Property tax$1,016 Homeowners insuranceTBD
Subtotal (P&I + Tax) $5,267
Yearly HOA fee $1,100

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
2.3348%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
0.70%
→ stable
School
1.12%
→ stable
City
→ stable
County
→ stable
Other districts
0.52%
→ stable

HOA & Community

§ 05
● HOA details
$1,100
ANNUALLY
Association nameCardiff Ranch c/o RealManage Management co. Website Phone Cert on filemls-trestle
Fee includes
Clubhouse · CommonAreas · Other · RecreationFacilities
● Community amenities
park
· 0.0mi
· 0.0mi
· 0.1mi
post_office
CARDIFF POSTAL · 0.2mi
CARDIFF POSTAL · 0.2mi
CARDIFF POSTAL · 0.3mi
restaurant
Chuckwagon BBQ & Burgers · 0.2mi
Chuckwagon BBQ & Burgers · 0.2mi
Chuckwagon BBQ & Burgers · 0.3mi
daycare
Kids 'R' Kids Learning Academy of Cardiff Ranch · 0.2mi
Kids 'R' Kids Learning Academy of Cardiff Ranch · 0.3mi
Kids 'R' Kids Learning Academy of Cardiff Ranch · 0.5mi
coffee
Daily Donuts · 0.2mi
Kona Reserve Coffee · 0.3mi
urgent_care
Preferred Urgent Care - Fulshear · 0.3mi
Preferred Urgent Care - Fulshear · 0.3mi
Preferred Urgent Care - Fulshear · 0.4mi

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
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
Fiber to the Premises
Fidium Fiber
2,000 / 2,000 Mbps
● LOW LATENCY
Fiber to the Premises
Astound Broadband
1,500 / 1,500 Mbps
● LOW LATENCY
Licensed Fixed Wireless
Verizon
300 / 20 Mbps
● LOW LATENCY
NGSO Satellite
Starlink
280 / 30 Mbps
● LOW LATENCY
+ 5 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
2 comparable sales 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
Canyon Lakes At Cardiff Ranch
TIER: SUBDIVISION
Subdivision name (MLS)Canyon Lakes At Cardiff Ranch City · ZIPKaty · 77494 CountyFort Bend Listings in subdivision355 Active now1 Sold (last 12 mo)4 Curated amenities60
● Year-built distribution
2015s 1

Fire Protection

§ 11
Nearest station
Willowfork Fire Department Station 3
· Katy
Distance
0.8 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48157673111 · ACS 2023
Median HH income
$175,877
ACS 2023
Median home value
$452,200
Census self-report
Owner-occupied
89%
3,056 housing units
Bachelor's+
71%
Adults 25+
Median age
39.2
Population 10,739
Work from home
40%
of commuters
Commute 45min+
21%
of commuters
Below poverty
1.3%
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
3403 Pennington Trace Drive, Katy, TX 77494
Fort Bend County · 29.73°N, 95.84°W
park
0.0 mi · 6 within 2 mi
post_office
CARDIFF POSTAL
0.2 mi · 2 within 2 mi
restaurant
Chuckwagon BBQ & Burgers
0.2 mi · 6 within 2 mi
daycare
Kids 'R' Kids Learning Academy of Cardiff Ranch
0.2 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Sep 2, 2026 Listed $708,000 Nicole Freer
Dec 31, 2014 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Nicole Freer · Corcoran Genesis
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 12, 2026.
MLS# 56279628 · LIST DATE: Sep 2, 2026 · PARCEL: 2254-05-001-0110-914
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 24, 2026, 12:52 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity