20239 Spruce Dr, Montgomery, TX 77356 Property Records

Montgomery County property record for 20239 Spruce Dr, Montgomery, TX 77356

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,114 sqft · built 2022
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$183,465 (Jun 2022)
Tax Bill	$1,175 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5803-03-02100`

Property Details

APN / Parcel Number

Primary APN	`5803-03-02100`
Alternative APN	`R98618`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,114 sqft Living Area
1st Floor Area	1,114 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
View / Lot	Primary
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20239 SPRUCE DR
City	MONTGOMERY
State	TX
Zip	77356-3437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Description	HIDDEN FOREST EST 03, LOT 21
Legal Subdivision	HIDDEN FOREST EST 03
Legal Lot Number	21
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	2
Census Block	2007
Census Tract	694700

Owner

20239 Spruce Dr is owned and occupied by an individual who bought it in June 2022.

Source: Montgomery County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	20239 SPRUCE DR, MONTGOMERY, TX 77356-3437
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Aug 19, 2021 · Amount on File
Deed Document Number	202269304
Record Updated	Oct 29, 2026

June 2022: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 1, 2022
Property Address	20239 SPRUCE DR, MONTGOMERY, TX 77356-3437
Document Number	0000069304
Map Reference	VOL 922 PG 851
Instrument Date	May 27, 2022
Instrument	2022069304
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 24, 2023
Title Company	MOMENTUM TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20239 SPRUCE DR, MONTGOMERY, TX 77356-3437

Mortgage

Document Number	0000069305
Date	Jun 1, 2022
Instrument	2022069305

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Mortgage

Document Number	0000069306
Date	Jun 1, 2022
Instrument	2022069306

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	35 Months
Due	May 27, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 20239 Spruce Dr was $1,175 with a homeowner's exemption, down 23.7% 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		$169,738 (-5.16%) Land $20,625 Building $149,113	$169,738 (-5.16%) Land $20,625 Building $149,113
2025	$1,175.00 (-23.7%) Homeowner's exemption	$178,975 (+2.99%) Land $20,625 Building $158,350	$178,975 (+2.99%) Land $20,625 Building $158,350
2024	$1,540.00 (-45.23%) Homeowner's exemption	$173,779 (-3.1%) Land $20,625 Building $153,154	$173,779 (-3.1%) Land $20,625 Building $153,154
2023	$2,812.00	$179,340 Land $20,630 Building $158,710	$179,340 Land $20,630 Building $158,710

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

Flood

FEMA maps place 20239 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2006.

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 File median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	4 (2006–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 2 claims

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 20239 Spruce Dr is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.06% 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	HIDDEN FOREST ESTATES private · serves 990 people · EPA ID TX1700173
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	2 ppb (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	2 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MidSouth Fiber Internet Fiber	2,000 / 1,000
Optimum Cable	940 / 35
Fidium Fiber DSL	500 / 75

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Dr

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