19985 Gemstone Dr, Montgomery, TX 77356 Property Records

Montgomery County property record for 19985 Gemstone Dr, Montgomery, TX 77356

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,032 sqft · built 1998
Lot Size	3.44 acres (150,169 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,748 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5275-00-02900`

Property Details

APN / Parcel Number

Primary APN	`5275-00-02900`
Alternative APN	`R250739`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	4,032 sqft Living Area
Gross Area	4,472 sqft
1st Floor Area	2,356 sqft
2nd Floor Area	1,676 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	150,169 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	99 sqft
Patio Area	522 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	19985 GEMSTONE DR
City	MONTGOMERY
State	TX
Zip	77356-4936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Description	S527500 - GEMSTONE ESTATES, BLOCK 2, LOT 1-A, 2, 3-A
Legal Subdivision	GEMSTONE ESTATES
Legal Block	2
Legal Lot Number	1-A
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1001
Census Tract	694303

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	19985 GEMSTONE DR, MONTGOMERY, TX 77356-4936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY FEDERAL MORTGAGE LLC
Mar 19, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage NETWORK FUNDING LP
Nov 11, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2015
Deed Sale	Nov 9, 2015
Prior Sale	Apr 5, 2013 · Amount on Record
Deed Document Number	2015110264
Prior Transfer Date	Feb 1, 2005
Prior Transfer Doc	0000017491
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19985 GEMSTONE DR, MONTGOMERY, TX 77356-4936
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000120709
Date	Aug 31, 2021
Instrument	2021120709

Lender

Name	GUARANTY FEDERAL MORTGAGE LLC
Type	Mortgage Company
Address	FRISCO, TX 75034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19985 GEMSTONE DR, MONTGOMERY, TX 77356-4936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023660
Date	Mar 19, 2018
Instrument	2018023660

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company
Address	HOUSTON, TX 77042

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19985 GEMSTONE DR, MONTGOMERY, TX 77356-4936
Document Number	0000109230
Instrument Date	Nov 11, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19985 GEMSTONE DR MONTGOMERY TX 773564936, MONTGOMERY, TX 77356-4936

Mortgage

Document Number	0000109230
Date	Nov 22, 2019
Instrument	109230

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 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	Montgomery Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$529,807 (+1%)	$622,979 (+2.01%) Land $172,370 Building $450,609
2025	$5,748.00 (+3.79%) Homeowner's exemption	$481,643 (+1%) Land $172,370 Building $438,334	$610,704 (+39.48%) Land $172,370 Building $438,334
2024	$5,538.00 (+5.85%) Homeowner's exemption	$437,857 (+2.06%) Land $18,250 Building $419,607	$437,857 (-2.21%) Land $18,250 Building $419,607
2023	$5,232.00 Homeowner's exemption	$429,010 Land $34,340 Building $413,400	$447,740 Land $34,340 Building $413,400

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 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

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

Wildfire Risk	Moderate above 52% of the US · lower than 71% of Texas
Wildfire Likelihood	0.1% 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	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Optimum Cable	940 / 35

May also be available: Tachus Fiber Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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