1631 Mercoal Dr, Spring, TX 77386 Property Records

Montgomery County property record for 1631 Mercoal Dr, Spring, TX 77386

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,120 sqft · built 1993
Lot Size	0.193 acres (8,395 sqft)
Owner	2 Individual Names on Record
Last Sale	$431,392 (May 2023)
Tax Bill	$7,315 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6115-02-23400`

Property Details

APN / Parcel Number

Primary APN	`6115-02-23400`
Alternative APN	`R103349`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,120 sqft Living Area
1st Floor Area	2,001 sqft
2nd Floor Area	1,119 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,395 sqft (0.193 acres)
Garage Type	Detached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	208 sqft
Deck Area	50 sqft
Canopy	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1631 MERCOAL DR
City	SPRING
State	TX
Zip	77386-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6
Legal Description	S611502 - IMPERIAL OAKS 02, BLOCK 13, LOT 8
Legal Subdivision	IMPERIAL OAKS 02
Legal Block	13
Legal Lot Number	8
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	1
Census Block	1015
Census Tract	691900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1631 MERCOAL DR, SPRING, TX 77386-1629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 2, 2023	Vendor's Lien, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 29, 2021	Deed of Trust, Mortgage · FHA Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Dec 20, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2023 · Amount on Record
Deed Sale	May 2, 2023 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	202338569
Prior Transfer Date	Dec 19, 2019
Prior Transfer Doc	0000118792
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	1631 MERCOAL DR, SPRING, TX 77386-1629
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 MERCOAL DR, SPRING, TX 77386-1629

Mortgage

Document Number	0000102806
Date	Oct 6, 2025
Instrument	2025102806

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Jun 1, 2053

May 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	May 2, 2023
Property Address	1631 MERCOAL DR, SPRING, TX 77386-1629
Document Number	0000038569
Map Reference	CAB F SH 133A
Instrument Date	May 1, 2023
Instrument	2023038569
Transaction Type	Transfer
Record Updated	May 16, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 MERCOAL DR, SPRING, TX 77386-1629

Mortgage

Document Number	0000038570
Date	May 2, 2023
Instrument	2023038570

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	1631 MERCOAL DR, SPRING, TX 77386-1629
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057437
Date	Apr 29, 2021
Instrument	2021057437

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TX
Recording Date	Dec 20, 2019
Property Address	1631 MERCOAL DR, SPRING, TX 77386-1629
Document Number	0000118792
Instrument Date	Dec 19, 2019
Instrument	118792
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1631 MERCOAL DR SPRING TX 773861629, SPRING, TX 77386-1629

Mortgage

Document Number	118793
Date	Dec 20, 2019
Instrument	118793

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Montgomery County
Unified School District	Conroe Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$382,933 (-14.33%) Land $58,000 Building $324,933	$382,933 (-14.33%) Land $58,000 Building $324,933
2025	$7,315.00 (-10.59%) Homeowner's exemption	$447,000 (-5.09%) Land $58,000 Building $389,000	$447,000 (-5.09%) Land $58,000 Building $389,000
2024	$8,181.00 (+0.42%) Homeowner's exemption	$470,966 (+21.54%) Land $58,000 Building $412,966	$470,966 (+21.54%) Land $58,000 Building $412,966
2023	$8,147.00	$387,490 Land $58,000 Building $329,490	$387,490 Land $58,000 Building $329,490

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

Flood

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 Record median of 84 policies
Nearby Flood Policies	84 in force
Nearby Flood Claims	18 (2001–2024)
Claims Outside the SFHA	18 of 18
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 Hurricane Ike, Sep 2008 · 4 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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	RAYFORD ROAD MUD serves 11,550 people · EPA ID TX1700334
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ezee Fiber Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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