Homes for Sale/Harris County/Katy/Settlers Village Sec 02
Active MLS #21149298 · 23 days on market

6638 Cove Lake Drive

Katy, TX 77449
Subdivision  ·  Settlers Village Sec 02
List Price
$285,000
$136/SF
Beds
3
Baths
3
Sq Ft
2,096
Built
1983
Lot
0.16 ac
Garage
2-car
County
Harris
Tax Rate
2.15%

Schools

§ 03
District
Elementary WALKER 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 6638 Cove Lake Dr! This spacious and well-maintained two-story home in the established Settlers Village community offers approximately 2,096 square feet of living space and a functional floor plan designed for comfortable everyday living. Featuring a double-door entry foyer, 2 3 bedrooms, 2 full baths, and a convenient half bath downstairs, the home provides generous living areas with plenty of potential to make it your own. A cozy fireplace adds warmth and character to the living space, a balcony off the primary bedroom adds plenty of charm, while the attached garage provides convenient parking and storage. Situated on a quiet cul-de-sac street and on a spacious lot in a mature Katy neighborhood, this home offers an excellent opportunity for buyers looking for space, comfort, and convenient access to the Grand Parkway and the many shops and restaurants in the vibrant surrounding area. Don’t miss the opportunity to make this Settlers Village property your new home!

Features

§ 02

Interior

  • Laminate Counters
  • Dishwasher
  • Disposal
  • Microwave
  • Carpet
  • Tile
  • 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 1983
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 2,096 sq ft
Living Area Source Appraiser
Building Area Total 2,096 sq ft
Foundation Slab
Construction Brick, Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 3
Bathrooms Full 2
Bathrooms Half 1
Rooms Total 3
Fireplaces 1
Fireplace Features Gas Log

Interior

Interior Features Laminate Counters
Flooring Carpet, Tile
Appliances Dishwasher, Disposal, Microwave

Exterior

Pool Private No

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (acres) 0.1584
Lot Size Source Appraiser
Lot Features Subdivision

Location

County Harris
MLS Area Major 25
MLS Area Minor Bear Creek South
Subdivision Settlers Village Sec 02
Postal Code 77449

Utilities

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

HOA / Association

HOA Yes
HOA Fee $410
HOA Fee Frequency Annually
HOA Name Crest Management

Taxes, Terms & Disclosures

Tax Annual Amount $6,124 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 2.15%
Parcel # 113-169-012-0046
Legal Description LT 46 BLK 12 SETTLERS VILLAGE SEC 2
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 3 rooms · MLS-supplied

Main level · 3

Primary Bedroom 17 x 18
Bedroom 13 x 11
Bedroom 13 x 12

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
$2,221
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,711 Property tax$510 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,221
Yearly HOA fee $410

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
$410
ANNUALLY
Association nameCrest Management Management co. Website Phone Cert on filepending
● Community amenities
park
· 0.1mi
Eagle Ranch West Pocket Park · 0.8mi
· 0.2mi
restaurant
Grato Italian Restaurant · 0.7mi
DQ Grill & Chill · 0.7mi
Whataburger · 0.8mi
veterinary
VCare Animal Clinic · 0.7mi
Affordable Pet Clinic Katy · 0.9mi
The KAAWS Clinic · 3.8mi
grocery
Timewise · 0.8mi
Fiesta Mart · 0.8mi
Kroger · 1.0mi
pharmacy
Walgreens · 0.8mi
CVS Pharmacy · 0.8mi
CVS Pharmacy · 3.2mi
gas_station
Shell · 0.8mi
Valero · 1.2mi

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_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
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
Settlers Village Sec 02
TIER: SUBDIVISION
Subdivision name (MLS)Settlers Village Sec 02 City · ZIPKaty · 77449 CountyHarris Listings in subdivision146 Active now6 Sold (last 12 mo)4 Curated amenities60
● Year-built distribution
1980s 4 1995s 2

Fire Protection

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

Neighborhood Demographics

§ 12 · Census tract 48201542203 · ACS 2023
Median HH income
$87,728
ACS 2023
Median home value
$236,400
Census self-report
Owner-occupied
82%
3,261 housing units
Bachelor's+
22%
Adults 25+
Median age
31.0
Population 11,213
Work from home
17%
of commuters
Commute 45min+
15%
of commuters
Below poverty
15.3%
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
6638 Cove Lake Drive, Katy, TX 77449
Harris County · 29.87°N, 95.73°W
park
0.1 mi · 5 within 2 mi
restaurant
Grato Italian Restaurant
0.7 mi · 7 within 2 mi
veterinary
VCare Animal Clinic
0.7 mi · 1 within 2 mi
grocery
Timewise
0.8 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 31, 2026 Listed $285,000 Emmy Rhoades
Dec 31, 1982 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Emmy Rhoades · Realty World Elite 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 19, 2026.
MLS# 21149298 · LIST DATE: Aug 31, 2026 · PARCEL: 113-169-012-0046
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