28443 Emerald Oaks, Magnolia, TX 77355 Property Records

Montgomery County property record for 28443 Emerald Oaks, Magnolia, TX 77355

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,628 sqft · built 2001
Lot Size	1.34 acres (58,448 sqft)
Owner	2 Company Names on Record
Tax Bill	$13,316 (2025)
Deeds & Mortgages	Jun 2025 Transfer Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5799-16-00900`

Property Details

APN / Parcel Number

Primary APN	`5799-16-00900`
Alternative APN	`R297336`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	2 Stories
Building Area	4,628 sqft Living Area
Gross Area	5,144 sqft
1st Floor Area	3,250 sqft
2nd Floor Area	1,378 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	58,448 sqft
View / Lot	Primary
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	1,371 sqft
Patio Area	459 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28443 EMERALD OAKS
City	MAGNOLIA
State	TX
Zip	77355-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S579916 - HIGH MEADOW RANCH 16, BLOCK 1, LOT 9-A, ACRES 1.3418
Legal Subdivision	HIGH MEADOW RANCH 16
Legal Block	1
Legal Lot Number	9-A
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MAGNOLIA
Census Block Group	2
Census Block	2021
Census Tract	690205

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 Company Names on Record
Mailing Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2025	Intrafamily Transfer, Transfer
Mar 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Mar 22, 2018	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit ZB NA
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2014
Deed Sale	Aug 12, 2014
Prior Sale	Dec 24, 2008 · Amount on Record
Deed Document Number	201478008
Prior Transfer Date	Dec 23, 2008
Prior Transfer Doc	0000119558
Record Updated	Oct 29, 2026

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 17, 2025
Property Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509
Document Number	0000059929
Map Reference	CAB Q PG 26
Instrument Date	Jun 10, 2025
Instrument	2025059929
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509

Mortgage

Document Number	0000020459
Date	Mar 13, 2023
Instrument	2023020459

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	MOMENTUM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024756
Date	Mar 22, 2018
Instrument	2018024756

Lender

Name	CADENCE BANK NA
Type	Bank
Address	HOUSTON, TX 77042

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 16, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509

Mortgage

Document Number	0000118667
Date	Oct 20, 2020
Instrument	2020118667

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77253

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28443 EMERALD OAKS, MAGNOLIA, TX 77355-7509

Mortgage

Document Number	0000016469
Date	Feb 9, 2022
Instrument	2022016469

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77253

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Magnolia Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,036,668 (+5.2%) Land $234,815 Building $801,853	$1,036,668 (-0.52%) Land $234,815 Building $801,853
2025	$13,316.00 (+7.59%) Homeowner's exemption	$985,448 (+1%) Land $234,815 Building $807,230	$1,042,045 (+3.44%) Land $234,815 Building $807,230
2024	$12,377.00 (+11.1%) Homeowner's exemption	$895,862 (+1%) Land $234,815 Building $772,544	$1,007,359 (+2.97%) Land $234,815 Building $772,544
2023	$11,140.00 Homeowner's exemption	$814,420 Land $234,820 Building $743,480	$978,300 Land $234,820 Building $743,480

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 86 policies
Nearby Flood Policies	86 in force
Nearby Flood Claims	10 (2016–2017)
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 4 claims Severe Storms And Flooding, May 2016 · 6 claims

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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% 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	HIGH MEADOWS RANCH WATER SUPPLY private · serves 1,827 people · EPA ID TX1700603
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ezee Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Nextlink.

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