19986 Gemstone Dr, Montgomery, TX 77356 Property Records

Montgomery County property record for 19986 Gemstone Dr, Montgomery, TX 77356

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,579 sqft · built 2015
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$521,300 (Mar 2016)
Tax Bill	$9,132 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`5275-00-00800`

Property Details

APN / Parcel Number

Primary APN	`5275-00-00800`
Alternative APN	`R250718`

Interior

Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,579 sqft Living Area
Gross Area	3,419 sqft
1st Floor Area	1,889 sqft
2nd Floor Area	690 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	87,120 sqft
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	816 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	19986 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 8, 9
Legal Subdivision	GEMSTONE ESTATES
Legal Block	1
Legal Lot Number	8,9
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1001
Census Tract	694303

Owner

19986 Gemstone Dr is owned and occupied by two individuals who bought it in March 2016.

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	2 Individual Names on File
Mailing Address	19986 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA
Sep 16, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2016 · Amount on File
Deed Sale	Mar 16, 2016 · Amount on File
Prior Sale	Sep 18, 2014
Deed Document Number	201622139
Prior Transfer Date	Sep 4, 2001
Prior Transfer Doc	0000078078
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19986 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093085
Date	Jul 7, 2021
Instrument	2021093085

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	19986 GEMSTONE DR, MONTGOMERY, TX 77356-4937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19986 GEMSTONE DR, MONTGOMERY, TX 77356-4937

Mortgage

Document Number	0000102620
Date	Sep 16, 2020
Instrument	2020102620

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	MONTGOMERY, TX 77316

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	189 Months
Due	Jun 10, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 19986 Gemstone Dr was $9,132 with a homeowner's exemption, up 5.9% 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		$776,226 (+1%)	$870,477 (-21.41%) Land $208,000 Building $662,477
2025	$9,132.00 (+5.92%) Homeowner's exemption	$705,660 (+1%)	$1,107,662 (+72.67%) Land $208,000 Building $899,662
2024	$8,622.00 (-15.07%) Homeowner's exemption	$641,509 (-0.92%) Land $208,000 Building $433,509	$641,509 (-0.92%) Land $208,000 Building $433,509
2023	$10,152.00	$647,450 Land $208,000 Building $439,450	$647,450 Land $208,000 Building $439,450

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

Flood

FEMA maps place 19986 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 19986 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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