Montgomery County property record for 11427 E Zoe Loop Dr, Montgomery, TX 77316
| Property Type | Single Family Home |
|---|---|
| Details | 6 ba · 3,361 sqft · built 2020 |
| Lot Size | 2.97 acres (129,373 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,559 (2024) |
| Deeds & Mortgages | Jan 2023 Line of Credit Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5390-04-01400 |
| Primary APN | 5390-04-01400 |
|---|---|
| Alternative APN |
|
| Full Baths | 6 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,361 sqft Living Area |
| 1st Floor Area | 2,407 sqft |
| 2nd Floor Area | 954 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Stone |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 129,373 sqft (2.97 acres) |
| Garage Type | Attached |
| Garage Area | 1,126 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R282292 |
|---|---|
| Street Address | 11427 E ZOE LOOP DR |
| City | MONTGOMERY |
| State | TX |
| Zip | 77316-5435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S539004 - GRAND LAKE ESTATES 04, BLOCK 2, LOT 4 |
| Legal Subdivision | GRAND LAKE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 694502 |
Source: Montgomery County assessment roll, APN 5390-04-01400, as of July 25, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 11427 E ZOE LOOP DR, MONTGOMERY, TX 77316-5435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2023 | Deed of Trust, Mortgage · Line of Credit SMART FINANCIAL CU |
| Sep 27, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FINANCIAL BANK NA |
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA |
| Aug 25, 2020 | Vendor's Lien, Transfer · Construction Mortgage FIRST FINANCIAL BANK NA |
| May 31, 2018 | Vendor's Lien, Transfer PEOPLES STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2020 |
| Deed Sale | Aug 25, 2020 |
| Prior Sale | May 31, 2018 |
| Deed Document Number | 2020092621 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 11427 E ZOE LOOP DR, MONTGOMERY, TX 77316-5435 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000004551 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 2023004551 |
| Name | SMART FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | HOUSTON, TX 77072 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 11427 E ZOE LOOP DR, MONTGOMERY, TX 77316-5435 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 1538 CAFE DUMONDE, CONROE, TX 77304-4931 |
| Document Number | 0000133619 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021133619 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | CONROE, TX 77304 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 24, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 11427 E ZOE LOOP DR, MONTGOMERY, TX 77316-5435 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000133618 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021133618 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | ABILENE, TX 79606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Aug 25, 2020 |
| Property Address | 11427 E ZOE LOOP DR, MONTGOMERY, TX 77316-5435 |
| Document Number | 0000092621 |
| Map Reference | CAB Z SH 260 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 2020092621 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21827 LEIGH CREEK DR, 21827, SPRING, TX 77388-6909 |
| Name | Verified Name |
|---|---|
| Address | 1800 W WHITE OAK FERRACE, CONROE, TX 77304 |
| Document Number | 0000092623 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 2020092623 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 23, 2021 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | May 31, 2018 |
| Property Address | 11427 E ZOE LOOP DR, MONTGOMERY, TX 77316-5435 |
| Document Number | 0000050225 |
| Map Reference | CAB Z SH260 |
| Instrument Date | May 30, 2018 |
| Instrument | 2018050225 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30685 FM 2978 RD # RD438, 30685, MAGNOLIA, TX 77354-3586 |
| Name | Verified Name |
|---|---|
| Address | 21827 MT HUNT DR, SPRING, TX 77388-2623 |
| Document Number | 0000050226 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 2018050226 |
| Name | PEOPLES STATE BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | May 30, 2021 |
Source: Montgomery County assessment roll as of July 25, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Montgomery Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $785,949 (+1%) Land $386,100 Building $506,015 | $892,115 (+24.86%) Land $386,100 Building $506,015 | |
| 2024 | $9,559.00 (+1.69%) Homeowner's exemption | $714,499 (+1.49%) Land $175,230 Building $539,269 | $714,499 (-1.18%) Land $175,230 Building $539,269 |
| 2023 | $9,400.00 Homeowner's exemption | $704,000 Land $175,230 Building $547,770 | $723,000 Land $175,230 Building $547,770 |
Source: FEMA National Flood Hazard Layer, Montgomery County (48339C), as of January 7, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 483396945022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 72 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 72 in force |
| Nearby Flood Claims | 6 (2017–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| Claims by Event |
|
| Wildfire Risk | Moderate above 48% of the US · lower than 77% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 57 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ezee Fiber Texas Fiber | 8,000 / 8,000 |
| MSEC Communications Fiber | 8,000 / 8,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Consolidated Communications.
Source: EPA Safe Drinking Water Information System, water system TX1700638, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MONTGOMERY TRACE WATER SYSTEM private · serves 25,917 people |
|---|---|
| Water Source | Purchased surface water from SJRA GRP SW TREATMENT PLANT |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures