12197 Oak Tree Ln, Willis, TX 77318 Property Records

Montgomery County property record for 12197 Oak Tree Ln, Willis, TX 77318

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,972 sqft · built 1988
Lot Size	1.2 acres (52,542 sqft)
Owner	Individual Name on File
Last Sale	$213,900 (Apr 2016)
Tax Bill	$2,679 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7511-00-00810`

Property Details

APN / Parcel Number

Primary APN	`7511-00-00810`
Alternative APN	`R128385`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,972 sqft Living Area
1st Floor Area	836 sqft
2nd Floor Area	836 sqft
Utility Area	480 sqft
Flooring	Carpet

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	52,542 sqft
View / Lot	Front
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	172 sqft
Patio Area	420 sqft
Canopy	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12197 OAK TREE LN
City	WILLIS
State	TX
Zip	77318-5379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4
Legal Description	S751100 - OAK TREE ACRES, LOT 8-A, 8-B, 8-C, ACRES 1.2062
Legal Subdivision	OAK TREE ACRES
Legal Lot Number	8-A
Jurisdiction	MONTGOMERY TX
Township / Civil Division	WILLIS
Census Block Group	2
Census Block	2000
Census Tract	694206

Owner

12197 Oak Tree Ln is owned and occupied by an individual who bought it in April 2016.

Source: Montgomery County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	12197 OAK TREE LN, WILLIS, TX 77318-5379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 13, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 13, 2018	Loan Modification, Mortgage PINGORA LOAN SVCNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2016 · Amount on File
Deed Sale	Apr 19, 2016 · Amount on File
Prior Sale	Sep 1, 1982
Deed Document Number	201632557
Prior Transfer Date	Apr 18, 2016
Prior Transfer Doc	0000032557
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	12197 OAK TREE LN, WILLIS, TX 77318-5379
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12197 OAK TREE LN, WILLIS, TX 77318-5379

Mortgage

Document Number	0000020036
Date	Feb 16, 2022
Instrument	2022020036

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	12197 OAK TREE LN, WILLIS, TX 77318-5379
Document Number	0000085087
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12197 OAK TREE LN WILLIS TX 773185379, WILLIS, TX 77318-5379

Mortgage

Document Number	0000085087
Date	Aug 30, 2018
Instrument	85087

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2048

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY TX
Property Address	12197 OAK TREE LN, WILLIS, TX 77318-5379
Document Number	0000093729
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12197 OAK TREE LN WILLIS TX 773185379, WILLIS, TX 77318-5379

Mortgage

Document Number	0000093729
Date	Sep 26, 2018
Instrument	93729

Lender

Name	PINGORA LOAN SVCNG
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12197 Oak Tree Ln was $2,679 with a homeowner's exemption, down 1.8% from the year before.

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		$271,079 (+3.22%) Land $60,310 Building $210,769	$271,079 (+1.51%) Land $60,310 Building $210,769
2025	$2,679.00 (-1.83%) Homeowner's exemption	$262,631 (+1%) Land $60,310 Building $206,734	$267,044 (+7.5%) Land $60,310 Building $206,734
2024	$2,729.00 (+17.28%) Homeowner's exemption	$238,755 (+1%) Land $60,310 Building $188,098	$248,408 (+0.69%) Land $60,310 Building $188,098
2023	$2,327.00 Homeowner's exemption	$217,050 Land $60,310 Building $186,400	$246,710 Land $60,310 Building $186,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12197 Oak Tree Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2016.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 policies
Nearby Flood Policies	30 in force
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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

Wildfire risk around 12197 Oak Tree Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.06% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tachus Fiber Internet Fiber	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ezee Fiber.

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