Montgomery County property record for 21978 Bays Chapel Rd, Richards, TX 77873
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,068 sqft · built 1982 |
| Lot Size | 14.6 acres (635,976 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,200 (Mar 2005) |
| Tax Bill | $964 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0247-00-00830 |
| Primary APN | 0247-00-00830 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,068 sqft Living Area |
| 1st Floor Area | 1,068 sqft |
| Flooring | Carpet |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 635,976 sqft |
| View / Lot | Front |
| Garage Type | Carport |
| Garage Area | 324 sqft |
| Carport | Carport |
| Carport Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 388 sqft |
| Deck Area | 480 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 21978 BAYS CHAPEL RD |
|---|---|
| City | RICHARDS |
| State | TX |
| Zip | 77873-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | A0247 HARRIS MATTHEW, TR 14A-1, 14.6000 ACRES |
| Legal Subdivision | HARRIS MATTHEW |
| Legal Tract | 14A-1 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 694700 |
21978 Bays Chapel Rd is owned and occupied by an individual who acquired it in September 2007.
Source: Montgomery County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 698, MONTGOMERY, TX 77356-0698 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2005 · Amount on File |
| Deed Sale | Mar 2, 2005 · Amount on File |
| Prior Sale | May 29, 1992 |
| Deed Document Number | 200520828 |
| Last Transfer Date | Sep 24, 2007 |
| Transfer Doc | 0000111560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 21978 BAYS CHAPEL RD, RICHARDS, TX 77873-2308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHARTER TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000111312 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 2019111312 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77006 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 21978 Bays Chapel Rd was $964 with exemptions applied, up 95.1% from the year before.
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 | $370,305 (+81.18%) | $394,041 (+50.62%) Land $292,000 Building $102,041 | |
| 2025 | $964.00 (+95.14%) Homeowner's exemption Senior Citizen's exemption | $204,381 (+1%) | $261,612 (+4.71%) Land $180,000 Building $81,612 |
| 2024 | $494.00 (+1.44%) Homeowner's exemption Senior Citizen's exemption | $185,801 (+1%) | $249,837 (-0.3%) Land $180,000 Building $69,837 |
| 2023 | $487.00 Homeowner's exemption | $168,910 Land $180,000 Building $70,600 | $250,600 Land $180,000 Building $70,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21978 Bays Chapel Rd in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1983.
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.
Wildfire risk around 21978 Bays Chapel Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 62% 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MidSouth Fiber Internet Fiber | 2,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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