Montgomery County property record for 20845 Welch Rd, Richards, TX 77873
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,376 sqft · built 2002 |
| Lot Size | 12.2 acres (534,481 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,420 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0309-00-04300 |
| Primary APN | 0309-00-04300 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 2,754 sqft |
| 1st Floor Area | 1,854 sqft |
| 2nd Floor Area | 522 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 534,481 sqft |
| View / Lot | Front |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 486 sqft |
| Deck Area | 254 sqft |
| Canopy | 810 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 20845 WELCH RD |
|---|---|
| City | RICHARDS |
| State | TX |
| Zip | 77873-2233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A0309 LYNCH NANCY, TRACT 43,44, ACRES 12.270 |
| Legal Subdivision | LYNCH NANCY |
| Legal Tract | 43,44 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 694700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 20845 WELCH RD, RICHARDS, TX 77873-2233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 20845 WELCH RD, RICHARDS, TX 77873-2233 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20845 WELCH RD, RICHARDS, TX 77873-2233 |
| Document Number | 0000115970 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 2023115970 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | CONROE, TX 77304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 27, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Richards Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $499,378 (+1%) | $510,519 (+1.42%) Land $245,400 Building $265,119 | |
| 2025 | $4,420.00 (+1.94%) Homeowner's exemption | $453,980 (+1%) | $503,387 (+7.07%) Land $245,400 Building $257,987 |
| 2024 | $4,336.00 (+13.09%) Homeowner's exemption | $412,709 (+1%) | $470,130 (+0.64%) Land $245,400 Building $224,730 |
| 2023 | $3,834.00 | $375,190 Land $245,400 Building $221,750 | $467,150 Land $245,400 Building $221,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 18 (1983–2024) |
| Claims Outside the SFHA | 9 of 18 |
| Most Recent Claim | Apr 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 75% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MidSouth Fiber Internet Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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