Montgomery County property record for 304 Harbor Cir, Montgomery, TX 77356
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,432 sqft · built 2004 |
| Lot Size | 0.196 acres (8,514 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,956 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8885-03-00300 |
| Primary APN | 8885-03-00300 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,432 sqft Living Area |
| Gross Area | 2,984 sqft |
| 1st Floor Area | 2,432 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 8,514 sqft (0.196 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 304 HARBOR CIR |
|---|---|
| City | MONTGOMERY |
| State | TX |
| Zip | 77356-4739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SOUTH SHORES ESTATES 03, LOT 3 |
| Legal Subdivision | SOUTH SHORE ESTATES 03 |
| Legal Lot Number | 3 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 694308 |
304 Harbor Cir is owned and occupied by an individual who acquired it in January 2023.
Source: Montgomery County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Stand-Alone First Mortgage JOSEPH DAVID TARDIFF JR |
| Jan 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Jul 27, 2022 | Vendor's Lien, Transfer · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO |
| Jan 19, 2023 | Vendor's Lien, Transfer CONSUMER REAL ESTATE FINANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2023 |
| Deed Sale | Jan 19, 2023 |
| Prior Sale | Jul 28, 2020 · Amount on File |
| Deed Document Number | 20234378 |
| Prior Transfer Date | Oct 2, 2012 |
| Prior Transfer Doc | 0000103693 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Title Company | MONARCH TITLE/TX, MONARCH TITLE OF TEXAS |
| Name | Verified Name |
|---|---|
| Address | 2057 S SHORE BLVD, MONTGOMERY, TX 77356-4733 |
| Document Number | 0000017492 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 2026017492 |
| Name | JOSEPH DAVID TARDIFF JR |
|---|---|
| Type | Private Party |
| Address | 22 FIREFALL CT, SPRING, TX 77380 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 37 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT INC |
| Name | Verified Name |
|---|---|
| Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Document Number | 0000009177 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 2026009177 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Jul 27, 2022 |
| Property Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Document Number | 0000094150 |
| Map Reference | CAB Z SH 784 |
| Instrument Date | Jul 26, 2022 |
| Instrument | 2022094150 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2023 |
| Title Company | CHICAGO TITLE-CONROE, CHICAGO TITLE CONROE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Document Number | 0000094151 |
|---|---|
| Date | Jul 27, 2022 |
| Instrument | 2022094151 |
| Name | CONSUMER REAL ESTATE FINANCE CO |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Jan 19, 2023 |
| Property Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Document Number | 0000004378 |
| Map Reference | CAB H SH 135-B |
| Instrument Date | Jul 26, 2022 |
| Instrument | 2023004378 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 HARBOR CIR, MONTGOMERY, TX 77356-4739 |
| Date | Jan 19, 2023 |
|---|
| Name | CONSUMER REAL ESTATE FINANCE CO |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 304 Harbor Cir was $6,956, down 2.4% from the year before.
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Montgomery Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $338,526 (-2.04%) Land $17,028 Building $321,498 | $338,526 (-2.04%) Land $17,028 Building $321,498 | |
| 2025 | $6,956.00 (-2.39%) | $345,590 (-1.45%) Land $17,028 Building $328,562 | $345,590 (-1.45%) Land $17,028 Building $328,562 |
| 2024 | $7,126.00 (+36.91%) | $350,659 (+4.99%) Land $17,028 Building $333,631 | $350,659 (-13.79%) Land $17,028 Building $333,631 |
| 2023 | $5,205.00 Homeowner's exemption | $333,980 Land $17,030 Building $389,720 | $406,750 Land $17,030 Building $389,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Harbor Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 92 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 92 in force |
| Nearby Flood Claims | 10 (2016–2024) |
| Claims Outside the SFHA | 9 of 10 |
| Most Recent Claim | May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 304 Harbor Cir is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STANLEY LAKE MUD serves 3,783 people · EPA ID TX1700097 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Tachus Fiber Internet Fiber | 8,000 / 8,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures