10651 Ruger Rd, Willis, TX 77378 Property Records

Montgomery County property record for 10651 Ruger Rd, Willis, TX 77378

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,342 sqft · built 2023
Lot Size	2.24 acres (98,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,900 (Mar 2021)
Tax Bill	$15,145 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8282-00-01600`

Property Details

APN / Parcel Number

Primary APN	`8282-00-01600`
Alternative APN	`R508632`

Interior

Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,342 sqft Living Area
Gross Area	4,164 sqft
1st Floor Area	2,593 sqft
2nd Floor Area	749 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	98,009 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	822 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	795 sqft
Patio Area	231 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10651 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 16
Legal Subdivision	REPUBLIC GRAND RANCH 01
Legal Block	1
Legal Lot Number	16
Jurisdiction	MONTGOMERY TX
Township / Civil Division	WILLIS
Census Block Group	1
Census Block	1015
Census Tract	694107

Owner

Source: Montgomery County records, as of September 29, 2026

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	3 CREEKWOOD DR, MONTGOMERY, TX 77356-8469
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · Construction Mortgage COLONIAL SAVINGS FA
Dec 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage COLONIAL SAVINGS FA
Mar 5, 2021	Vendor's Lien, Transfer · Stand-Alone Second Mortgage NEWFIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Deed Document Number	202127912
Prior Transfer Date	Mar 4, 2021
Prior Transfer Doc	0000027912
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10651 RUGER RD, WILLIS, TX 77378-4248
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	ENVISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1560 LEAGUE LINE RD 5105, 5105, CONROE, TX 77304-3479

Mortgage

Document Number	0000143896
Date	Dec 8, 2022
Instrument	2022143896

Lender

Name	COLONIAL SAVINGS FA
Type	Bank
Address	FORT WORTH, TX 76102

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10651 RUGER RD, WILLIS, TX 77378-4248
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	ENVISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1560 LEAGUE LINE RD, CONROE, TX 77304-3471

Mortgage

Document Number	0000143897
Date	Dec 8, 2022
Instrument	2022143897

Lender

Name	COLONIAL SAVINGS FA
Type	Bank
Address	FORT WORTH, TX 76102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	378 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jun 1, 2029
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

March 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Mar 5, 2021
Property Address	10651 RUGER RD, WILLIS, TX 77378-4248
Document Number	0000027912
Map Reference	CAB Z SH 6889
Instrument Date	Mar 4, 2021
Instrument	2021027912
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	183 WATER ST, WILLIAMSTOWN, MA 01267-2830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CREEKWOOD DR, MONTGOMERY, TX 77356-8469

Mortgage

Document Number	0000027913
Date	Mar 5, 2021
Instrument	2021027913

Lender

Name	NEWFIRST NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Mar 4, 2024

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of September 29, 2026

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
2026		$849,241 (-6.63%) Land $186,750 Building $662,491	$849,241 (-6.63%) Land $186,750 Building $662,491
2025	$15,145.00 (+107.84%)	$909,538 (+108.57%) Land $186,750 Building $722,788	$909,538 (+86.45%) Land $186,750 Building $722,788
2024	$7,287.00 (+298.41%)	$436,073 (+287.62%) Land $186,750 Building $301,073	$487,823 (+333.62%) Land $186,750 Building $301,073
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 47% of the US · lower than 79% of Texas
Wildfire Likelihood	0.09% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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