28364 Sterling Oak Dr, Spring, TX 77386 Property Records

Montgomery County property record for 28364 Sterling Oak Dr, Spring, TX 77386

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,299 sqft · built 2020
Lot Size	0.187 acres (8,144 sqft)
Owner	Individual Name on Record
Last Sale	$614,074 (Sep 2020)
Tax Bill	$8,337 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`9737-15-04800`

Property Details

APN / Parcel Number

Primary APN	`9737-15-04800`
Alternative APN	`R494770`

Interior

Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,299 sqft Living Area
Gross Area	3,750 sqft
1st Floor Area	3,299 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,144 sqft (0.187 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28364 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 6
Legal Subdivision	WOODSONS RESERVE 15
Legal Block	3
Legal Lot Number	6
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 30, 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	28364 STERLING OAK DR, SPRING, TX 77386-4935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 3, 2020	Vendor's Lien, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Deed Document Number	202097349
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 8, 2026
Property Address	28364 STERLING OAK DR, SPRING, TX 77386-4935
Document Number	0000060015
Instrument Date	Jun 3, 2026
Instrument	202660015
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28364 STERLING OAK DR, SPRING, TX 77386-4935

Mortgage

Document Number	0000060015,
Date	Jun 8, 2026
Instrument	202660015

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28364 STERLING OAK DR, SPRING, TX 77386-4935
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28364 STERLING OAK DR, SPRING, TX 77386-4935

Mortgage

Document Number	0000099652
Date	Sep 29, 2025
Instrument	2025099652

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28364 STERLING OAK DR, SPRING, TX 77386-4935
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053186
Date	Apr 27, 2022
Instrument	2022053186

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Sep 3, 2020
Property Address	28364 STERLING OAK DR, SPRING, TX 77386-4935
Document Number	0000097349
Map Reference	CAB Z SH 5808
Instrument Date	Sep 2, 2020
Instrument	2020097349
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	28634 STERLING OAK DRIVE, SPRING, TX 77386

Mortgage

Document Number	0000097350
Date	Sep 3, 2020
Instrument	2020097350

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 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		$644,968 (-1.86%) Land $105,000 Building $539,968	$644,968 (-1.86%) Land $105,000 Building $539,968
2025	$8,337.00 (-43.53%) Homeowner's exemption	$657,209 (+2.71%) Land $105,000 Building $552,209	$657,209 (+2.71%) Land $105,000 Building $552,209
2024	$14,763.00 (+89.24%) Homeowner's exemption	$639,847 (+7.66%) Land $105,000 Building $534,847	$639,847 (-3.31%) Land $105,000 Building $534,847
2023	$7,801.00 Homeowner's exemption	$594,300 Land $105,000 Building $556,750	$661,750 Land $105,000 Building $556,750

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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