Montgomery County property record for 12978 King Oak Dr, Splendora, TX 77372
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,236 sqft · built 1972 |
| Lot Size | 1.44 acres (63,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $248,710 (Oct 2022) |
| Tax Bill | $3,642 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9730-01-01700 |
| Primary APN | 9730-01-01700 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,236 sqft Living Area |
| Gross Area | 2,636 sqft |
| 1st Floor Area | 1,248 sqft |
| 2nd Floor Area | 988 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 63,000 sqft |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 288 sqft |
| Canopy | 560 sqft |
| Storage Building | 1,120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12978 KING OAK DR |
|---|---|
| City | SPLENDORA |
| State | TX |
| Zip | 77372-4116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 5 |
| Legal Description | WOODLANE A, BLOCK 2, LOT 5, ACRES 1.450 |
| Legal Subdivision | WOODLANE A |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 692803 |
12978 King Oak Dr is owned and occupied by an individual who bought it in October 2022.
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 | 12978 KING OAK DR, SPLENDORA, TX 77372-4116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SWIFT HOME LOANS INC |
| Oct 21, 2022 | Vendor's Lien, Transfer · Conventional Mortgage LEGEND LENDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2022 · Amount on File |
| Deed Sale | Oct 21, 2022 · Amount on File |
| Prior Sale | Apr 18, 2013 · Amount on File |
| Deed Document Number | 2022128185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 12978 KING OAK DR, SPLENDORA, TX 77372-4116 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12978 KING OAK DR, SPLENDORA, TX 77372-4116 |
| Document Number | 0000026167 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026026167 |
| Name | SWIFT HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, MI 48009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Oct 21, 2022 |
| Property Address | 12978 KING OAK DR, SPLENDORA, TX 77372-4116 |
| Document Number | 0000128185 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 2022128185 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | PATTEN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12978 KING OAK DR, SPLENDORA, TX 77372-4116 |
| Document Number | 0000128186 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 2022128186 |
| Name | LEGEND LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
The 2025 property tax bill for 12978 King Oak Dr was $3,642 with a homeowner's exemption, down 2.8% from the year before.
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Splendora Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $294,458 (-2.29%) Land $103,951 Building $190,507 | $294,458 (-2.29%) Land $103,951 Building $190,507 | |
| 2025 | $3,642.00 (-2.78%) Homeowner's exemption | $301,356 (+8.14%) Land $103,951 Building $197,405 | $301,356 (+8.14%) Land $103,951 Building $197,405 |
| 2024 | $3,746.00 (-24.64%) Homeowner's exemption | $278,674 (+2.52%) Land $103,951 Building $174,723 | $278,674 (+2.52%) Land $103,951 Building $174,723 |
| 2023 | $4,971.00 Homeowner's exemption | $271,830 Land $103,950 Building $167,880 | $271,830 Land $103,950 Building $167,880 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12978 King Oak Dr 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 2 (2019–2024) |
| Claims Outside the SFHA | 2 of 2 |
| 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 risk around 12978 King Oak Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 89% of Texas |
|---|---|
| Wildfire Likelihood | 0.04% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPLENDORA serves 9,612 people · EPA ID TX1700087 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 8 last 3 years |
Results are for the whole water system, 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.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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