28694 W FM 1097 Rd, Montgomery, TX 77356 Property Records

Montgomery County property record for 28694 W FM 1097 Rd, Montgomery, TX 77356

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,040 sqft · built 2003
Lot Size	2.03 acres (88,819 sqft)
Owner	2 Individual Names on File
Last Sale	$751,782 (Apr 2026)
Tax Bill	$5,487 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0291-00-00411`

Property Details

APN / Parcel Number

Primary APN	`0291-00-00411`
Alternative APN	`R304898`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,040 sqft Living Area
Gross Area	3,664 sqft
1st Floor Area	2,144 sqft
2nd Floor Area	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	88,819 sqft
View / Lot	Front
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	168 sqft
Deck Area	261 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28694 W FM 1097 RD
City	MONTGOMERY
State	TX
Zip	77356-6347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0291 JOHNSON WM, TRACT 4 LOT 16-A, ACRES 2.039
Legal Subdivision	JOHNSON WM
Legal Tract	4
Legal Lot Number	16-A
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1033
Census Tract	694700

Owner

28694 W FM 1097 Rd is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	28694 W FM 1097 RD, MONTGOMERY, TX 77356-6347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 20, 2026	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORPORATION
Jun 22, 2021	Vendor's Lien, Transfer · Conventional Mortgage CRYSTAL CLEAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2026 · Amount on File
Deed Sale	Apr 20, 2026 · Amount on File
Prior Sale	Jun 22, 2021 · Amount on File
Deed Document Number	202639238
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY TX
Recording Date	Apr 20, 2026
Property Address	28694 W FM 1097 RD, MONTGOMERY, TX 77356-6347
Document Number	0000039238
Instrument Date	Apr 20, 2026
Instrument	2026.39238
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28694 W FM 1097 RD, MONTGOMERY, TX 77356-6347

Mortgage

Document Number	0000039239,
Date	Apr 20, 2026
Instrument	2026.39239

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 22, 2021
Property Address	28694 W FM 1097 RD, MONTGOMERY, TX 77356-6347
Document Number	0000085816
Map Reference	DOC 2002-074529
Instrument Date	Jun 21, 2021
Instrument	2021085816
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28694 W FM 1097 RD, MONTGOMERY, TX 77356-6347

Mortgage

Document Number	0000085817
Date	Jun 22, 2021
Instrument	2021085817

Lender

Name	CRYSTAL CLEAR MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 28694 W FM 1097 Rd was $5,487, up 3.5% 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		$483,564 (+4.13%) Land $81,560 Building $402,004	$483,564 (+2.67%) Land $81,560 Building $402,004
2025	$5,487.00 (+3.51%) Homeowner's exemption	$464,381 (+1%)	$470,999 (+11.57%) Land $81,560 Building $389,439
2024	$5,301.00 (+4.08%) Homeowner's exemption	$422,165 (+0.64%) Land $81,560 Building $340,605	$422,165 (+0.64%) Land $81,560 Building $340,605
2023	$5,093.00 Homeowner's exemption	$419,500 Land $81,560 Building $337,940	$419,500 Land $81,560 Building $337,940

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

Flood

FEMA maps place 28694 W FM 1097 Rd in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1983.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	18 (1983–2024)
Claims Outside the SFHA	9 of 18
Most Recent Claim	Apr 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Hurricane Harvey, Aug 2017 · 6 claims Severe Thunderstorms And Flooding, Oct 1994 · 2 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

Wildfire risk around 28694 W FM 1097 Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 64% of Texas
Wildfire Likelihood	0.2% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
MidSouth Fiber Internet Fiber	2,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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