108 S Broad St, Saint Jo, TX 76265 Property Records

Montague County property record for 108 S Broad St, Saint Jo, TX 76265

Property Summary

Property Type	Commercial
Details	2,002 sqft · built 1910
Lot Size	0.809 acres (35,275 sqft)
Owner	Individual Name on Record
Tax Bill	$842 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R000004884`

Property Details

APN / Parcel Number

Primary APN	`R000004884`
Alternative APN	`10500.0004.0004.0025`

Interior

Stories	1 Story
Building Area	2,002 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	35,275 sqft (0.809 acres)

Location & Zoning

Account Number	10500.0004.0004.0025
Street Address	108 S BROAD ST
City	SAINT JO
State	TX
Zip	76265
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PART OF LOT 4 BLK 4 ORIGINAL SAINT JO
Legal Subdivision	ORIGINAL SAINT JO
Legal Block	4
Legal Lot Number	4
Jurisdiction	MONTAGUE TX
Township / Civil Division	ST. JO
Census Block Group	2
Census Block	2034
Census Tract	950100

Owner

Source: Montague County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	709 E EVANS ST, SAINT JO, TX 76265-2250
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK
Apr 1, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK
Aug 28, 2020	Warranty Deed, Transfer MONTAGUE COUNTY ABSTRACT AND TITLE, MONTAGUE CNTY ABSTRACT & TTL
May 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2020
Deed Sale	Aug 28, 2020
Prior Sale	May 2, 2018
Deed Document Number	20203608
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Recording Date	Apr 6, 2026
Property Address	108 S BROAD ST, SAINT JO, TX 76265
Document Number	0000001256
Instrument Date	Apr 1, 2026
Instrument	20261256
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	1818 N INTERSTATE 35, SAN ANTONIO, TX 78208-1924

Mortgage

Document Number	0000001256,
Date	Apr 6, 2026
Instrument	20261256

Lender

Name	FIRST STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Recording Date	Apr 1, 2026
Property Address	108 S BROAD ST, SAINT JO, TX 76265
Document Number	0000001221
Instrument Date	Apr 1, 2026
Instrument	20261221
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001221,
Date	Apr 1, 2026
Instrument	20261221

Lender

Name	FIRST STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Apr 1, 2037

Interest

Rate	6%
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTAGUE TX
Recording Date	Aug 28, 2020
Property Address	108 S BROAD ST, SAINT JO, TX 76265
Document Number	0002003608
Map Reference	VOL 1 PG 231
Instrument Date	Aug 27, 2020
Instrument	2003608
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	MONTAGUE COUNTY ABSTRACT AND TITLE, MONTAGUE CNTY ABSTRACT & TTL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 POYNOR LN, SAINT JO, TX 76265-3177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E EVANS ST, SAINT JO, TX 76265-2250

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTAGUE TX
Recording Date	May 2, 2018
Property Address	108 S BROAD ST, SAINT JO, TX 76265
Document Number	0001801838
Map Reference	VOL 1 PG 231
Instrument Date	Apr 30, 2018
Instrument	1801838
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 584, MUENSTER, TX 76252-0584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 POYNOR LN, SAINT JO, TX 76265-3177
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Montague County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montague County
Municipality	Saint Jo City
Unified School District	Saint Jo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$842.00 (+465.1%)	$40,980 (-) Land $10,350 Building $30,630	$40,980 (-) Land $10,350 Building $30,630
2025	$149.00 (+18.25%)	$40,980 (+63.33%) Land $10,350 Building $30,630	$40,980 (+63.33%) Land $10,350 Building $30,630
2023		$25,090 Land $3,450 Building $21,640	$25,090 Land $3,450 Building $21,640
2022	$126.00

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 August 16, 2011 · 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 Claims	2 (2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 claims

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 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SAINT JO serves 881 people · EPA ID TX1690006
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2020
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000
ElektraFi Fixed Wireless	100 / 20

May also be available: Nextlink.

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