28356 Sterling Oak Dr, Spring, TX 77386 Property Records

Montgomery County property record for 28356 Sterling Oak Dr, Spring, TX 77386

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,270 sqft · built 2020
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$522,687 (Oct 2020)
Tax Bill	$7,746 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`9737-15-04600`

Property Details

APN / Parcel Number

Primary APN	`9737-15-04600`
Alternative APN	`R494768`

Interior

Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,270 sqft Living Area
Gross Area	3,670 sqft
1st Floor Area	3,270 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Patio Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28356 STERLING OAK DR
City	SPRING
State	TX
Zip	77386-4935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S973715 - WOODSONS RESERVE 15, BLOCK 3, LOT 4
Legal Subdivision	WOODSONS RESERVE 15
Legal Block	3
Legal Lot Number	4
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	2
Census Block	2030
Census Tract	692010

Owner

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	2 Individual Names on Record
Mailing Address	28356 STERLING OAK DR, SPRING, TX 77386-4935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 1, 2020	Vendor's Lien, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY
Sep 30, 2020	Deed of Trust, Mortgage TBI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	2020110261
Record Updated	Oct 29, 2026

March 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Mar 2, 2022
Property Address	28356 STERLING OAK DR, SPRING, TX 77386-4935
Document Number	0000026426
Map Reference	CAB Z SH 5808-09
Instrument Date	Feb 24, 2022
Instrument	2022026426
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28356 STERLING OAK DR, SPRING, TX 77386-4935

Mortgage

Document Number	0000026429
Date	Mar 2, 2022
Instrument	2022026429

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28356 STERLING OAK DR, SPRING, TX 77386-4935
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122468
Date	Sep 2, 2021
Instrument	2021122468

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Oct 1, 2020
Property Address	28356 STERLING OAK DR, SPRING, TX 77386-4935
Document Number	0000110261
Map Reference	CAB Z SH 5805
Instrument Date	Sep 30, 2020
Instrument	2020110261
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2557 SW GRAPEVINE PKWY STE 100, 2557, GRAPEVINE, TX 76051-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28356 STERLING OAK DR, SPRING, TX 77386-4935

Mortgage

Document Number	0000110262
Date	Oct 1, 2020
Instrument	2020110262

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28356 STERLING OAK DR, SPRING, TX 77386-4935
Document Number	0000110262
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28356 STERLING OAK DR SPRING TX 77386, SPRING, TX 77386

Mortgage

Document Number	0000110262
Date	Oct 1, 2020
Instrument	110262

Lender

Name	TBI MTG
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montgomery County
Unified School District	Conroe Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$617,000 (%) Land $105,000 Building $512,000	$617,000 (%) Land $105,000 Building $512,000
2025	$7,746.00 (-46.56%) Homeowner's exemption	$617,004 (-1.9%) Land $105,000 Building $512,004	$617,004 (-1.9%) Land $105,000 Building $512,004
2024	$14,496.00 (+50.83%) Homeowner's exemption	$628,984 (+3.11%) Land $105,000 Building $523,984	$628,984 (+3.11%) Land $105,000 Building $523,984
2023	$9,611.00 Homeowner's exemption	$610,000 Land $105,000 Building $505,000	$610,000 Land $105,000 Building $505,000

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 489 policies
Nearby Flood Policies	489 in force

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

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

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MONTGOMERY COUNTY MUD 105 serves 3,282 people · EPA ID TX1700837
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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