10948 Ruger Rd, Willis, TX 77378 Property Records

Montgomery County property record for 10948 Ruger Rd, Willis, TX 77378

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,574 sqft · built 2023
Lot Size	2.49 acres (108,870 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,933 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8282-04-10000`

Property Details

APN / Parcel Number

Primary APN	`8282-04-10000`
Alternative APN	`R517572`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,574 sqft Living Area
Gross Area	3,215 sqft
1st Floor Area	2,574 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	108,870 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	641 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	778 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10948 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 3, LOT 22
Legal Subdivision	REPUBLIC GRAND RANCH 04
Legal Block	3
Legal Lot Number	22
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	10948 RUGER RD, WILLIS, TX 77378-4251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Oct 31, 2023	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Apr 18, 2022	Vendor's Lien, Transfer · Construction Mortgage AUSTIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2022
Deed Sale	Apr 18, 2022
Deed Document Number	202249092
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10948 RUGER RD, WILLIS, TX 77378-4251
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	STEWART TITLE, STEWART TTL OF MONTGOMERY CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 SERENE CT, ERIE, CO 80516-2455

Mortgage

Document Number	0000107784
Date	Nov 8, 2023
Instrument	2023107784

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	10.1%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	8.12%
Max Rate At Change	12.1%
Index	1-Year T-Bill
Max Rate	16.1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	10948 RUGER RD, WILLIS, TX 77378-4251
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3826 BRIGHTON, KATY, TX 77449

Mortgage

Document Number	0000104634
Date	Oct 31, 2023
Instrument	2023104634

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	14%

April 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Apr 18, 2022
Property Address	10948 RUGER RD, WILLIS, TX 77378-4251
Document Number	0000049092
Map Reference	CAB Z SH 7717
Instrument Date	Apr 15, 2022
Instrument	2022049092
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	3826 BRIGHTON SPRINGS LN, KATY, TX 77449-5077

Mortgage

Document Number	0000049093
Date	Apr 18, 2022
Instrument	2022049093

Lender

Name	AUSTIN BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$776,189 (-8.83%) Land $207,442 Building $568,747	$776,189 (-8.83%) Land $207,442 Building $568,747
2025	$11,933.00 (+82.63%) Homeowner's exemption	$851,395 (+142.68%) Land $207,442 Building $643,953	$851,395 (+108.52%) Land $207,442 Building $643,953
2024	$6,534.00 (+221.71%)	$350,834 (+180.73%) Land $207,442 Building $200,870	$408,312 (+226.73%) Land $207,442 Building $200,870
2023	$2,031.00	$124,970 Land $124,970	$124,970 Land $124,970

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
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.

Wildfire

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

Wildfire Risk	Moderate above 54% of the US · lower than 68% 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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