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12197 Pearl Bay Ct, Conroe, TX 77304 Property Records

Montgomery County property record for 12197 Pearl Bay Ct, Conroe, TX 77304

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,476 sqft · built 2019
Lot Size0.155 acres (6,765 sqft)
Owner2 Individual Names on File
Last Sale$257,100 (Jun 2020)
Tax Bill$4,680 (2025)
Deeds & MortgagesJun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN9544-05-02900

Property Details

APN / Parcel Number

Primary APN9544-05-02900
Alternative APN
  • R481048

Interior

Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area2,476 sqft Living Area
Gross Area2,916 sqft
1st Floor Area2,476 sqft
FlooringWood

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialBrick Veneer
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle
Lot Area6,765 sqft (0.155 acres)
View / LotPrimary
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Concrete/Masonry Porch
Porch Area229 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address12197 PEARL BAY CT
CityCONROE
StateTX
Zip77304-2377
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS954405 - WATER CREST ON LAKE CONROE 05, BLOCK 1, LOT 29
Legal SubdivisionWATER CREST ON LAKE CONROE 05
Legal Block1
Legal Lot Number29
JurisdictionMONTGOMERY TX
Township / Civil DivisionSOUTHEAST MONTGOMERY
Census Block Group1
Census Block1000
Census Tract693701

Owner

12197 Pearl Bay Ct is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record2 Individual Names on File
Mailing Address12197 PEARL BAY CT, CONROE, TX 77304-2377
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 3, 2020 · Amount on File
Deed SaleJun 3, 2020 · Amount on File
Deed Document Number202053717
Prior Transfer DateJun 1, 2020
Prior Transfer Doc0000053717
Record UpdatedOct 29, 2026

June 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionMONTGOMERY TX
Recording DateJun 2, 2020
Property Address12197 PEARL BAY CT, CONROE, TX 77304-2377
Document Number0000053717
Instrument DateJun 1, 2020
Instrument53717
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 10, 2020
Title CompanyDHI TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12197 PEARL BAY CT CONROE TX 773042377, CONROE, TX 77304-2377

Mortgage

Document Number53718
DateJun 2, 2020
Instrument53718
Lender
NameDHI MTG
TypeMortgage Company
AddressAUSTIN, TX 78750
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12197 Pearl Bay Ct was $4,680 with exemptions applied, down 8.3% from the year before.

Source: Montgomery County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateTexas
MunicipalityConroe City
CountyMontgomery County
Unified School DistrictWillis Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$382,917 (-) Land $50,738 Building $332,179$382,917 (-) Land $50,738 Building $332,179
2025$4,680.00 (-8.27%) Homeowner's exemption Senior Citizen's exemption$382,917 (+8.69%) Land $50,738 Building $332,179$382,917 (+8.69%) Land $50,738 Building $332,179
2024$5,102.00 (+143.88%) Homeowner's exemption Senior Citizen's exemption$352,317 (+2.38%) Land $50,738 Building $301,579$352,317 (-8.25%) Land $50,738 Building $301,579
2023$2,092.00 Homeowner's exemption$344,110 Land $50,740 Building $333,250$383,990 Land $50,740 Building $333,250

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

Flood

FEMA maps place 12197 Pearl Bay Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 7, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 132 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies132 in force
Nearby Flood Claims3 (2024)
Most Recent ClaimMay 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event
  • Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2024 · 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

Wildfire risk around 12197 Pearl Bay Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 97.1% of Texas
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 106 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Tachus Fiber Internet
Fiber		8,000 / 8,000
Fidium Fiber
Fiber		2,000 / 2,000
Optimum
Cable		940 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Xfinity.

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