Montgomery County property record for 19970 Gemstone Dr, Montgomery, TX 77356
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,662 sqft · built 2001 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $521,300 (Jan 2014) |
| Tax Bill | $12,964 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5275-00-01200 |
| Primary APN | 5275-00-01200 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,662 sqft Living Area |
| Gross Area | 4,292 sqft |
| 1st Floor Area | 1,671 sqft |
| 2nd Floor Area | 1,991 sqft |
| Utility Area | 120 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 606 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 19970 GEMSTONE DR |
|---|---|
| City | MONTGOMERY |
| State | TX |
| Zip | 77356-4937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | GEMSTONE ESTATES, BLOCK 1, LOT 12 |
| Legal Subdivision | GEMSTONE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 694303 |
19970 Gemstone Dr is owned and occupied by two individuals who bought it in January 2014.
Source: Montgomery County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19970 GEMSTONE DR, MONTGOMERY, TX 77356-4937 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2014 · Amount on File |
| Deed Sale | Jan 2, 2014 · Amount on File |
| Prior Sale | Aug 13, 1999 · Amount on File |
| Deed Document Number | 201485 |
| Prior Transfer Date | Dec 17, 2013 |
| Prior Transfer Doc | 0000000085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 19970 GEMSTONE DR, MONTGOMERY, TX 77356-4937 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000080553 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 2020080553 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77006 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 19970 Gemstone Dr was $12,964, down 0.3% from the year before.
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Montgomery Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,073,000 (+33.71%) Land $112,000 Building $961,000 | $1,073,000 (+33.71%) Land $112,000 Building $961,000 | |
| 2025 | $12,964.00 (-0.27%) | $802,487 (-) Land $112,000 Building $690,487 | $802,487 (-) Land $112,000 Building $690,487 |
| 2024 | $12,999.00 (+3.5%) | $802,487 (+0.19%) Land $112,000 Building $690,487 | $802,487 (+0.19%) Land $112,000 Building $690,487 |
| 2023 | $12,560.00 | $801,000 Land $112,000 Building $689,000 | $801,000 Land $112,000 Building $689,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19970 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 risk around 19970 Gemstone Dr is moderate, ranking above 46% of the US, with a 0.07% annual chance of 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 22 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 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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