19946 Gemstone Dr, Montgomery, TX 77356 Property Records

Montgomery County property record for 19946 Gemstone Dr, Montgomery, TX 77356

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,782 sqft · built 2016
Lot Size	1.02 acres (44,649 sqft)
Owner	Company Name on File
Tax Bill	$22,703 (2025)
Deeds & Mortgages	May 2017 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5275-00-01800`

Property Details

APN / Parcel Number

Primary APN	`5275-00-01800`
Alternative APN	`R250728`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Stories	2 Stories
Building Area	4,782 sqft Living Area
Gross Area	7,014 sqft
1st Floor Area	2,964 sqft
2nd Floor Area	1,818 sqft
Attic	Attic
Attic Area	1,368 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Combination
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	44,649 sqft
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	2,261 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	19946 GEMSTONE DR
City	MONTGOMERY
State	TX
Zip	77356-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Description	S527500 - GEMSTONE ESTATES, BLOCK 1, LOT 18
Legal Subdivision	GEMSTONE ESTATES
Legal Block	1
Legal Lot Number	18
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1001
Census Tract	694303

Owner

19946 Gemstone Dr is owned by a company that acquired it in May 2022 and is owner-occupied.

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	Company Name on File
Mailing Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CRYSTAL CLEAR MORTGAGE LLC
May 3, 2022	Intrafamily Transfer, Transfer
Jun 8, 2021	Vendor's Lien, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jan 2, 2017	Loan Modification, Mortgage STATE BK/TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022
Deed Sale	May 3, 2022
Prior Sale	Jun 8, 2021 · Amount on File
Deed Document Number	202256623
Prior Transfer Date	Jun 3, 2021
Prior Transfer Doc	0000078801
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041195
Date	May 15, 2017
Instrument	2017041195

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064672
Date	Jun 29, 2020
Instrument	2020064672

Lender

Name	CRYSTAL CLEAR MORTGAGE LLC
Type	Mortgage Company
Address	MONTGOMERY, TX 77356

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY TX
Recording Date	May 3, 2022
Property Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Document Number	0000056623
Map Reference	CAB I SH 122
Instrument Date	Feb 24, 2022
Instrument	2022056623
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19946 GEMSTONE DR, 19946, MONTGOMERY, TX 77356-4937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 8, 2021
Property Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Document Number	0000078801
Map Reference	CAB 1 SH 122
Instrument Date	Jun 3, 2021
Instrument	2021078801
Transaction Type	Transfer
Record Updated	Sep 5, 2022
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	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937

Mortgage

Document Number	0000078802
Date	Jun 8, 2021
Instrument	2021078802

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY TX
Property Address	19946 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Document Number	0000004722
Instrument Date	Jan 2, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple

Mortgage

Document Number	0000004722
Date	Jan 19, 2017
Instrument	4722

Lender

Name	STATE BK/TX
Type	Bank
Address	3330 ANTOINE, HOUSTON, TX 77292

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 18, 2018

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 19946 Gemstone Dr was $22,703 with a homeowner's exemption, up 8.2% 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	Montgomery Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,764,422 (+1%)	$1,893,308 (+11.37%) Land $160,000 Building $1,733,308
2025	$22,703.00 (+8.17%) Homeowner's exemption	$1,604,020 (+1%)	$1,700,000 (+16.58%) Land $160,000 Building $1,540,000
2024	$20,988.00 (+3.38%) Homeowner's exemption	$1,458,200 (-) Land $160,000 Building $1,298,200	$1,458,200 (-) Land $160,000 Building $1,298,200
2023	$20,302.00 Homeowner's exemption	$1,458,200 Land $160,000 Building $1,298,200	$1,458,200 Land $160,000 Building $1,298,200

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

Flood

FEMA maps place 19946 Gemstone 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 80 policies
Nearby Flood Policies	80 in force
Nearby Flood Claims	2 (2017–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2018 · other causes

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 19946 Gemstone Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% 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.

Drinking Water

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

Water System	GRAND HARBOR WATER SYSTEM private · serves 2,370 people · EPA ID TX1700643
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2025) 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 82 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
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber, Xfinity.

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