Montgomery County property record for 10925 Ruger Rd, Willis, TX 77378
| Property Type | Single Family Home |
|---|---|
| Details | 2,658 sqft |
| Lot Size | 2 acres (87,124 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,398 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 8282-04-12400 |
| Primary APN | 8282-04-12400 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,658 sqft Living Area |
| 1st Floor Area | 2,658 sqft |
| Flooring | Carpet |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Material | Composition Shingle |
| Lot Area | 87,124 sqft |
| View / Lot | Front |
| Porch | Open Concrete/Masonry Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10925 RUGER RD |
|---|---|
| City | WILLIS |
| State | TX |
| Zip | 77378-4251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S828204 - REPUBLIC GRAND RANCH 04, BLOCK 4, LOT 12 |
| Legal Subdivision | REPUBLIC GRAND RANCH 04 |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | WILLIS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 694107 |
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 | 6434 ST BERNADETTE DR, SPRING, TX 77379-2632 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Sep 27, 2021 | Warranty Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 10925 RUGER RD, WILLIS, TX 77378-4251 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Title Company | ENVISION TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000094995 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 2025094995 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | 1-Year T-Bill |
| Max Rate | 13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Sep 27, 2021 |
| Property Address | 10925 RUGER RD, WILLIS, TX 77378-4251 |
| Document Number | 0000133952 |
| Map Reference | CAB Z SH 7717 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021133952 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 183 WATER ST, WILLIAMSTOWN, MA 01267-2830 |
| Name | Verified Name |
|---|---|
| Address | 6434 ST BERNADETTE DR, SPRING, TX 77379-2632 |
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Willis Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $746,508 (+418.36%) Land $166,008 Building $580,500 | $746,508 (+349.68%) Land $166,008 Building $580,500 | |
| 2025 | $2,398.00 (+19.6%) | $144,014 (+2%) Land $166,008 | $166,008 (-) Land $166,008 |
| 2024 | $2,005.00 (+23.38%) | $120,012 (+2%) Land $166,008 | $166,008 (+65.99%) Land $166,008 |
| 2023 | $1,625.00 | $100,010 Land $100,010 | $100,010 Land $100,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 60% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
5G (outdoors only) and 4G LTE
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