109 River Oaks Dr, Baytown, TX 77523 Property Records

Chambers County property record for 109 River Oaks Dr, Baytown, TX 77523

Property Summary

Property Type	Single Family Home
Details	3,156 sqft · built 2016
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,244 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`47700-00242-00100-000320`

Property Details

APN / Parcel Number

Primary APN	`47700-00242-00100-000320`
Alternative APN	`55065`

Interior

Building Area	3,155 sqft Living Area
1st Floor Area	2,755 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Lot Area	21,780 sqft (0.5 acres)
Garage Area	572 sqft
Porch	Porch
Porch Area	784 sqft

Location & Zoning

Account Number	55065
Street Address	109 RIVER OAKS DR
City	BAYTOWN
State	TX
Zip	77523-8912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 1 RIVER OAKS
Legal Subdivision	RIVER OAKS
Jurisdiction	CHAMBERS TX
Township / Civil Division	MONT BELVIEU
Census Block Group	3
Census Block	3023
Census Tract	710100

Owner

Source: Chambers County records, as of October 13, 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	109 RIVER OAKS DR, BAYTOWN, TX 77523-8912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2017	Deed of Trust, Mortgage AMERICAN FINANCIAL RESOURCES INC
Mar 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage EUSTIS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS TX
Property Address	109 RIVER OAKS DR, MONT BELVIEU, TX 77523-8912
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000166069
Date	Apr 6, 2021
Instrument	2021-166069

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS TX
Property Address	109 RIVER OAKS DR, MONT BELVIEU, TX 77523-8912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119189
Date	Feb 9, 2017
Book Page	1715/265
Instrument	2017119189

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS TX
Property Address	109 RIVER OAKS DR, MONT BELVIEU, TX 77523-8912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000140200
Date	Mar 5, 2019
Instrument	2019-0140200

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS TX
Property Address	109 RIVER OAKS DR, MONT BELVIEU, TX 77523-8912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000154796
Date	Jun 17, 2020
Instrument	2020-154796

Lender

Name	EUSTIS MORTGAGE CORP
Type	Mortgage Company
Address	NEW ORLEANS, LA 70113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Chambers County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Chambers County
Unified School District	Barbers Hill Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,244.00 (+368.83%) Homeowner's exemption	$656,360 (+2.91%) Land $37,500 Building $618,860	$656,360 (+2.91%) Land $37,500 Building $618,860
2025	$2,185.00 (+19.2%) Homeowner's exemption	$637,790 (-2.83%) Land $37,500 Building $600,290	$637,790 (-2.83%) Land $37,500 Building $600,290
2023	$1,833.00 (+0.38%) Homeowner's exemption	$656,360 Land $37,500 Building $618,860	$656,360 Land $37,500 Building $618,860
2021	$1,826.00

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 October 1, 2020 · 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
Flood Insurance Cost	Premium on Record median of 43 policies
Nearby Flood Policies	43 in force
Nearby Flood Claims	16 (1979–2024)
Claims Outside the SFHA	11 of 16
Most Recent Claim	Apr 2024 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 3 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	High above 74% of the US · above 65% of Texas
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RIVER OAKS SUBDIVISION private · serves 234 people · EPA ID TX0360090
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
MBLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Frontier, Optimum.

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