Montgomery County property record for 28102 Emma Gardens Ln, Spring, TX 77386
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,436 sqft · built 2006 |
| Lot Size | 0.156 acres (6,805 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,100 (Mar 2007) |
| Tax Bill | $6,385 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 9014-08-09400 |
| Primary APN | 9014-08-09400 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 2,876 sqft |
| 1st Floor Area | 2,436 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Stone |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,805 sqft (0.156 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 28102 EMMA GARDENS LN |
|---|---|
| City | SPRING |
| State | TX |
| Zip | 77386-3328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S901408 - SPRING TRAILS 08, BLOCK 3, LOT 13 |
| Legal Subdivision | SPRING TRAILS 08 |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 692009 |
28102 Emma Gardens Ln is owned and occupied by an individual who bought it in March 2007.
Source: Montgomery County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28102 EMMA GARDENS LN, SPRING, TX 77386-3328 |
| 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 13, 2007 · Amount on File |
| Deed Sale | Mar 13, 2007 · Amount on File |
| Prior Sale | Oct 13, 2006 |
| Deed Document Number | 200729393 |
| Prior Transfer Date | Feb 26, 2006 |
| Prior Transfer Doc | 0000029393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 28102 EMMA GARDENS LN, SPRING, TX 77386-3328 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28102 EMMA GARDENS LN, SPRING, TX 77386-3328 |
| Document Number | 0000021648 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 2026021648 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 13, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 28102 Emma Gardens Ln was $6,385 with a homeowner's exemption, up 4.2% from the year before.
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Conroe Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $396,192 (+9.43%) Land $27,220 Building $368,972 | $396,192 (+3.72%) Land $27,220 Building $368,972 | |
| 2025 | $6,385.00 (+4.18%) Homeowner's exemption | $362,057 (+1%) | $382,000 (+16.06%) Land $27,220 Building $354,780 |
| 2024 | $6,129.00 (+60.57%) Homeowner's exemption | $329,143 (+1.55%) Land $27,220 Building $301,923 | $329,143 (-9%) Land $27,220 Building $301,923 |
| 2023 | $3,817.00 Homeowner's exemption | $324,130 Land $27,220 Building $334,480 | $361,700 Land $27,220 Building $334,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28102 Emma Gardens Ln in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 373 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 373 in force |
| Nearby Flood Claims | 5 (2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2017 · Hurricane Harvey |
| 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 28102 Emma Gardens Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTGOMERY COUNTY MUD 94 serves 5,184 people · EPA ID TX1700716 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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