28996 San Bernard River Loop, Spring, TX 77386 Property Records

Montgomery County property record for 28996 San Bernard River Loop, Spring, TX 77386

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,430 sqft · built 2011
Lot Size	0.125 acres (5,427 sqft)
Owner	Individual Name on Record
Last Sale	$258,685 (Feb 2024)
Tax Bill	$4,016 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3527-06-01300`

Property Details

APN / Parcel Number

Primary APN	`3527-06-01300`
Alternative APN	`R407080`

Interior

Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,430 sqft Living Area
Gross Area	1,790 sqft
1st Floor Area	1,430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,427 sqft (0.125 acres)
View / Lot	Primary
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28996 SAN BERNARD RIVER LOOP
City	SPRING
State	TX
Zip	77386-4140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S352706 - CREEKSIDE VILLAGE 06, BLOCK 1, LOT 13
Legal Subdivision	CREEKSIDE VILLAGE 06
Legal Block	1
Legal Lot Number	13
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	1
Census Block	1008
Census Tract	692008

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	Individual Name on Record
Mailing Address	16007 BARTON RIVER LN, HOUSTON, TX 77044-6573
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Vendor's Lien, Transfer · Construction Mortgage CHAMPIONS FUNDING LLC
Jan 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Aug 11, 2011 · Amount on Record
Deed Document Number	202417813
Prior Transfer Date	Aug 9, 2011
Prior Transfer Doc	0000070911
Record Updated	Oct 29, 2026

February 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Feb 27, 2024
Property Address	28996 SAN BERNARD RIVER LOOP, SPRING, TX 77386-4140
Document Number	0000017813
Map Reference	CAB Z SH 1775
Instrument Date	Feb 22, 2022
Instrument	2024017813
Transaction Type	Transfer
Record Updated	Mar 12, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11344 CASCADE CREEK, KATY, TX 77450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16007 BARTON RIVER LN, HOUSTON, TX 77044-6573

Mortgage

Document Number	0000017814
Date	Feb 27, 2024
Instrument	2024017814

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	28996 SAN BERNARD RIVER LOOP, SPRING, TX 77386-4140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006390
Date	Jan 25, 2017
Instrument	2017006390

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Sep 1, 2041

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		$235,566 (-7.71%) Land $29,794 Building $205,772	$235,566 (-7.71%) Land $29,794 Building $205,772
2025	$4,016.00 (+76.68%)	$255,248 (+16.86%) Land $29,794 Building $225,454	$255,248 (+0.6%) Land $29,794 Building $225,454
2024	$2,273.00 (+15.67%) Homeowner's exemption	$218,416 (+1%) Land $29,794 Building $223,929	$253,723 (-0.67%) Land $29,794 Building $223,929
2023	$1,965.00 Homeowner's exemption	$198,560 Land $29,790 Building $225,650	$255,440 Land $29,790 Building $225,650

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 72 policies
Nearby Flood Policies	72 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 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.01% 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	CREEKSIDE VILLAGE private · serves 2,277 people · EPA ID TX1700742
Water Source	Groundwater
Last State Inspection	Apr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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