10645 Ruger Rd, Willis, TX 77378 Property Records

Montgomery County property record for 10645 Ruger Rd, Willis, TX 77378

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,688 sqft · built 2023
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,803 (2024)
Deeds & Mortgages	Oct 2021 Construction Loan Aug 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8282-00-01500`

Property Details

APN / Parcel Number

Primary APN	`8282-00-01500`
Alternative APN	`R508631`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,688 sqft Living Area
1st Floor Area	3,688 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	98,010 sqft (2.25 acres)
Garage Type	Attached
Garage Area	946 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	754 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R508631
Street Address	10645 RUGER RD
City	WILLIS
State	TX
Zip	77378-4248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S828200 - REPUBLIC GRAND RANCH 01, BLOCK 1, LOT 15
Legal Subdivision	REPUBLIC GRAND RANCH 01
Legal Block	1
Legal Lot Number	15
Jurisdiction	MONTGOMERY TX
Township / Civil Division	WILLIS
Census Block Group	1
Census Block	1015
Census Tract	694107

Owner

Source: Montgomery County records, as of November 28, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10645 RUGER RD, WILLIS, TX 77378-4248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Construction Mortgage COMMUNITYBANK OF TEXAS NA
Aug 23, 2022	Deed of Trust, Mortgage · Construction Mortgage COMMUNITYBANK OF TEXAS NA
Aug 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITYBANK OF TEXAS NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021
Deed Sale	Jan 8, 2021
Deed Document Number	2021003149
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10645 RUGER RD, WILLIS, TX 77378-4248
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE COMPANY HOUSTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 LAFAYETTE AVE, FAYETTEVILLE, GA 30214-1839

Mortgage

Document Number	0000137628
Date	Oct 4, 2021
Instrument	2021137628

Lender

Name	COMMUNITYBANK OF TEXAS NA
Type	Bank
Address	HOUSTON, TX 77046

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Sep 20, 2022

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10645 RUGER RD, WILLIS, TX 77378-4248
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE COMPANY HOUSTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 LONG HORN LOOP, NEW WAVERLY, TX 77358-3734

Mortgage

Document Number	0000104969
Date	Aug 23, 2022
Instrument	2022104969

Lender

Name	COMMUNITYBANK OF TEXAS NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10645 RUGER RD, WILLIS, TX 77378-4248
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE COMPANY HOUSTON

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104970
Date	Aug 23, 2022
Instrument	2022104970

Lender

Name	COMMUNITYBANK OF TEXAS NA
Type	Bank
Address	77709

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Aug 19, 2053

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of July 25, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Montgomery County
Unified School District	Willis Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,200,825 (+73.66%) Land $186,758 Building $1,014,067	$1,200,825 (+73.66%) Land $186,758 Building $1,014,067
2024	$11,803.00 (+545.33%) Homeowner's exemption	$691,485 (+514.65%) Land $186,758 Building $504,727	$691,485 (+514.65%) Land $186,758 Building $504,727
2023	$1,829.00	$112,500 Land $112,500	$112,500 Land $112,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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