15970 S Tram Rd, Splendora, TX 77372 Property Records

Montgomery County property record for 15970 S Tram Rd, Splendora, TX 77372

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,236 sqft · built 1998
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,825 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7482-02-00300`

Property Details

APN / Parcel Number

Primary APN	`7482-02-00300`
Alternative APN	`R127447`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,236 sqft Living Area
Gross Area	3,953 sqft
1st Floor Area	2,912 sqft
2nd Floor Area	324 sqft
Upper Floors Area	324 sqft
Flooring	Carpet

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	88,427 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	717 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	378 sqft
Canopy	578 sqft
Storage Building	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	15970 S TRAM RD
City	SPLENDORA
State	TX
Zip	77372-5148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S748202 - OAK CREEK ESTATES 02, BLOCK 1, LOT 3, ACRES 2.03
Legal Subdivision	OAK CREEK ESTATES 02
Legal Block	1
Legal Lot Number	3
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	2
Census Block	2008
Census Tract	692803

Owner

15970 S Tram Rd is owned and occupied by two individuals who acquired it in March 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	15970 S TRAM RD, SPLENDORA, TX 77372-5148
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 11, 2018	Deed of Trust, Mortgage CHURCHILL MTG
May 17, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST BK&TR/E TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 31, 2015
Transfer Doc	0000028700
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	15970 S TRAM RD, SPLENDORA, TX 77372-5148
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046448
Date	Apr 8, 2021
Instrument	2021046448

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	15970 S TRAM RD, SPLENDORA, TX 77372-5148
Document Number	0000007197
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15970 S TRAM RD SPLENDORA TX 773725148, SPLENDORA, TX 77372-5148

Mortgage

Document Number	0000007197
Date	Jan 29, 2018
Instrument	7197

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONTGOMERY TX
Recording Date	May 17, 2017
Property Address	15970 S TRAM RD, SPLENDORA, TX 77372-5148
Instrument Date	May 15, 2017
Instrument	42156
Transaction Type	Construction Loan
Record Updated	Jun 14, 2017
Title Company	WARNER ABSTRACT, TARVER ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15970 S TRAM RD SPLENDORA TX 773725148, SPLENDORA, TX 77372-5148

Mortgage

Document Number	0000042156
Date	May 17, 2017
Instrument	42156

Lender

Name	FIRST BK&TR/E TX
Type	Bank
Address	SPLENDORA, TX 77372

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 16, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 15970 S Tram Rd was $5,825 with a homeowner's exemption, up 3.1% 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	Splendora Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$444,737 (+5.1%) Land $44,660 Building $400,077	$444,737 (-) Land $44,660 Building $400,077
2025	$5,825.00 (+3.13%) Homeowner's exemption	$423,161 (+1%) Land $44,660 Building $400,077	$444,737 (-) Land $44,660 Building $400,077
2024	$5,648.00 (+16.21%) Homeowner's exemption	$384,692 (+1%) Land $44,660 Building $400,077	$444,737 (+8.47%) Land $44,660 Building $400,077
2023	$4,860.00 Homeowner's exemption	$349,720 Land $80,390 Building $329,610	$410,000 Land $80,390 Building $329,610

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

Flood

FEMA maps place 15970 S Tram Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2019.

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	4 (2019–2024)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2024 · 2 claims Tropical Storm Imelda, Sep 2019 · 2 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 15970 S Tram Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OAK CREEK II private · serves 144 people · EPA ID TX1700432
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Ezee Fiber.

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