24904 Two Rivers Rd, Montgomery, TX 77316 Property Records

Montgomery County property record for 24904 Two Rivers Rd, Montgomery, TX 77316

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,934 sqft
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,596 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7230-00-01100`

Property Details

APN / Parcel Number

Primary APN	`7230-00-01100`
Alternative APN	`R550569`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,934 sqft Living Area
Gross Area	5,134 sqft
1st Floor Area	3,203 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Fiber Cement Siding
Roof Material	Composition Shingle
Lot Area	74,052 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	1,200 sqft
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	24904 TWO RIVERS RD
City	MONTGOMERY
State	TX
Zip	77316-3488
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S723000 - MONTGOMERY FARMS 01, BLOCK 1, LOT 11
Legal Subdivision	MONTGOMERY FARMS 01
Legal Block	1
Legal Lot Number	11
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	2
Census Block	2015
Census Tract	694603

Owner

24904 Two Rivers Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	24904 TWO RIVERS RD, MONTGOMERY, TX 77316-3488
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

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Construction Mortgage CADENCE BANK NA
Jun 1, 2023	Vendor's Lien, Transfer · Conventional Mortgage SMART FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	24904 TWO RIVERS RD, MONTGOMERY, TX 77316-3488
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	SOUTHERN GULF TITLE LLC, SOUTHERN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 WICK WILLOW RD, MONTGOMERY, TX 77356-8216

Mortgage

Document Number	0000019295
Date	Feb 29, 2024
Instrument	2024019295

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 1, 2023
Property Address	24904 TWO RIVERS RD, MONTGOMERY, TX 77316-3488
Document Number	0000049453
Map Reference	CAB Z SH 9404
Instrument Date	May 30, 2023
Instrument	2023049453
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	STEWART TITLE, STEWART TTL OF MONTGOMERY CN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 WICK WILLOW RD, MONTGOMERY, TX 77356-8216

Mortgage

Document Number	0000049454
Date	Jun 1, 2023
Instrument	2023049454

Lender

Name	SMART FINANCIAL CU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8%
Index	1-Year T-Bill
Margin	3
Max Rate	19%

Tax Assessment & Valuation

The 2025 property tax bill for 24904 Two Rivers Rd was $10,596 with a homeowner's exemption, up 298.5% 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		$814,000 (+395.86%) Land $164,160 Building $649,840	$814,000 (+395.86%) Land $164,160 Building $649,840
2025	$10,596.00 (+298.5%)	$164,160 Land $164,160	$164,160 Land $164,160
2024	$2,659.00

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

Flood

FEMA maps place 24904 Two Rivers Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 99 policies
Nearby Flood Policies	99 in force
Nearby Flood Claims	2 (2016–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2017 · Hurricane Harvey

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 24904 Two Rivers Rd is moderate, ranking above 52% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 72% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DOBBIN PLANTERSVILLE WSC 1 serves 4,767 people · EPA ID TX1700178
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MidSouth Fiber Internet Fiber	8,000 / 8,000
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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