Montgomery County property record for 31 Harbor Cove Dr, Spring, TX 77381
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 4,171 sqft · built 1992 |
| Lot Size | 0.324 acres (14,126 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $500,000 (Mar 2017) |
| Tax Bill | $14,591 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9726-24-09700 |
| Primary APN | 9726-24-09700 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,171 sqft Living Area |
| 1st Floor Area | 2,476 sqft |
| 2nd Floor Area | 1,695 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Contemporary |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 14,126 sqft (0.324 acres) |
| Garage Type | Detached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 322 sqft |
| Canopy | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 31 HARBOR COVE DR |
|---|---|
| City | SPRING |
| State | TX |
| Zip | 77381-3340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6 |
| Legal Description | WDLNDS VIL PANTHER CK 24, BLOCK 3, LOT 21 |
| Legal Subdivision | WDLNDS VIL PANTHER CK 24 |
| Legal Block | 3 |
| Legal Lot Number | 21 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 691202 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 31 HARBOR COVE DR, SPRING, TX 77381-3340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMA MORTGAGE CORP |
| Mar 22, 2017 | Warranty Deed, Transfer · Conventional Mortgage OPTIMA MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2017 · Amount on Record |
| Deed Sale | Mar 22, 2017 · Amount on Record |
| Prior Sale | Jul 2, 2012 |
| Deed Document Number | 201723004 |
| Prior Transfer Date | Aug 16, 2013 |
| Prior Transfer Doc | 0000092638 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 31 HARBOR COVE DR, SPRING, TX 77381-3340 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000036784 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021036784 |
| Name | OPTIMA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | KINGWOOD, TX 77345 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Mar 22, 2017 |
| Property Address | 31 HARBOR COVE DR, SPRING, TX 77381-3340 |
| Document Number | 0000023004 |
| Map Reference | CAB E SH144B |
| Instrument Date | Mar 20, 2017 |
| Instrument | 2017023004 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 HARBOR COVE DR, THE WOODLANDS, TX 77381-3340 |
| Document Number | 0000023005 |
|---|---|
| Date | Mar 22, 2017 |
| Instrument | 2017023005 |
| Name | OPTIMA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2032 |
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Conroe Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,025,416 (+3.35%) Land $140,000 Building $885,416 | $1,025,416 (-) Land $140,000 Building $885,416 | |
| 2025 | $14,591.00 (+7.41%) Homeowner's exemption | $992,200 (+1%) Land $140,000 Building $885,416 | $1,025,416 (+5.79%) Land $140,000 Building $885,416 |
| 2024 | $13,585.00 (+14.61%) Homeowner's exemption | $902,000 (+1%) Land $140,000 Building $829,259 | $969,259 (+18.2%) Land $140,000 Building $829,259 |
| 2023 | $11,853.00 Homeowner's exemption | $820,000 Land $100,000 Building $720,000 | $820,000 Land $100,000 Building $720,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 134 policies |
| Nearby Flood Policies | 134 in force |
| Nearby Flood Claims | 9 (2008–2024) |
| Claims Outside the SFHA | 9 of 9 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 96% of Texas |
|---|---|
| Wildfire Likelihood | Under 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 | THE WOODLANDS MUD 1 serves 7,989 people · EPA ID TX1700471 |
|---|---|
| Water Source | Purchased surface water from SJRA THE WOODLANDS |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 361 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Tachus Fiber Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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