1658 Opal Trl, Willis, TX 77378 Property Records

Montgomery County property record for 1658 Opal Trl, Willis, TX 77378

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,357 sqft · built 2015
Lot Size	1.81 acres (78,844 sqft)
Owner	2 Company Names on Record
Tax Bill	$9,585 (2025)
Deeds & Mortgages	Jun 2026 Sale Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4544-02-08300`

Property Details

APN / Parcel Number

Primary APN	`4544-02-08300`
Alternative APN	`R376863`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,357 sqft Living Area
Gross Area	4,105 sqft
1st Floor Area	2,165 sqft
2nd Floor Area	1,192 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	78,844 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	866 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1658 OPAL TRL
City	WILLIS
State	TX
Zip	77378-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S454402 - EMERALD LAKES 02, BLOCK 5, LOT 32, ACRES 1.81
Legal Subdivision	EMERALD LAKES 02
Legal Block	5
Legal Lot Number	32
Jurisdiction	MONTGOMERY TX
Township / Civil Division	WILLIS
Census Block Group	3
Census Block	3009
Census Tract	694106

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 Company Names on Record
Mailing Address	1658 OPAL TRL, WILLIS, TX 77378-2227
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA
Jul 31, 2018	Vendor's Lien, Transfer · Seller Carry-Back MARY COWART

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2014
Deed Sale	Dec 18, 2014
Prior Sale	Jul 18, 2012 · Amount on Record
Deed Document Number	2014122017
Last Transfer Date	Jul 25, 2018
Transfer Doc	0020184860
Record Updated	Oct 29, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 15, 2026
Property Address	1658 OPAL TRL, WILLIS, TX 77378-2227
Document Number	0000062707
Instrument Date	Apr 29, 2026
Instrument	202662707
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1658 OPAL TRL, WILLIS, TX 77378-2227

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	1658 OPAL TRL, WILLIS, TX 77378-2227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108568
Date	Sep 29, 2020
Instrument	2020108568

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	ABILENE, TX 79606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

July 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	SAN JACINTO TX
Recording Date	Jul 31, 2018
Property Address	1658 OPAL TRL, WILLIS, TX 77378-2227
Document Number	0020184860
Instrument Date	Jul 25, 2018
Instrument	20184860
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	POLK COUNTY ABSTRACT, POLK COUNTY ABSTRACT INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	353 APPLE GRV, 353, LIVINGSTON, TX 77351-3890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1658 OPAL TRL, WILLIS, TX 77378-2227

Mortgage

Document Number	0020184861
Date	Jul 31, 2018
Instrument	20184861

Lender

Name	MARY COWART
Type	Seller
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2028

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	Willis Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$772,200 (+1%)	$787,000 (+12.11%) Land $123,080 Building $663,920
2025	$9,585.00 (+0.92%) Homeowner's exemption	$702,000 (+5.09%) Land $123,080 Building $578,920	$702,000 (+5.09%) Land $123,080 Building $578,920
2024	$9,498.00 (+3.21%) Homeowner's exemption	$668,000 (+0.38%) Land $123,080 Building $544,920	$668,000 (-13.87%) Land $123,080 Building $544,920
2023	$9,203.00 Homeowner's exemption	$665,500 Land $123,080 Building $652,510	$775,590 Land $123,080 Building $652,510

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
Nearby Flood Policies	9 in force

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	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% 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	EMERALD LAKES SUBDIVISION private · serves 1,053 people · EPA ID TX1700777
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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