3432 Grennock St, Bay City, TX 77414 Property Records

Matagorda County property record for 3432 Grennock St, Bay City, TX 77414

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,128 sqft · built 1984
Lot Size	0.445 acres (19,375 sqft)
Owner	2 Individual Names on File
Last Sale	$287,280 (Jan 2022)
Tax Bill	$7,684 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2981-0090-000100`

Property Details

APN / Parcel Number

Primary APN	`2981-0090-000100`
Alternative APN	`39913`

Interior

Full Baths	3 Baths
Building Area	3,128 sqft Living Area
Gross Area	3,919 sqft
1st Floor Area	3,128 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,375 sqft (0.445 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	675 sqft
Porch	Porch
Porch Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2981-0090-000100
Street Address	3432 GRENNOCK ST
City	BAY CITY
State	TX
Zip	77414-6977
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCDONALD MEADOWS, BLOCK 9, LOT 1 & E 1/2 LOT 2, SEC 4
Legal Subdivision	MCDONALD MEADOWS ADDITION
Legal Block	9
Legal Lot Number	1
Jurisdiction	MATAGORDA TX
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1003
Census Tract	730301

Owner

3432 Grennock St is owned and occupied by two individuals who bought it in January 2022.

Source: Matagorda County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 723, MATAGORDA, TX 77457-0723
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 31, 2022	Vendor's Lien, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 1, 2019	Vendor's Lien, Transfer · Conventional Mortgage TEXAS DOW EMPLOYEES CU
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit FROST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022 · Amount on File
Deed Sale	Jan 31, 2022 · Amount on File
Prior Sale	Oct 1, 2019 · Amount on File
Deed Document Number	2022599
Prior Transfer Date	Sep 30, 2019
Prior Transfer Doc	2019005557
Record Updated	Oct 29, 2026

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MATAGORDA TX
Recording Date	Jan 31, 2022
Property Address	3432 GRENNOCK ST, BAY CITY, TX 77414-6977
Document Number	2022000599
Map Reference	FILE 350A
Instrument Date	Jan 28, 2022
Instrument	2022-000599
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	ADMIRAL TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 35, GARRISON, TX 75946-0035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 723, MATAGORDA, TX 77457-0723

Mortgage

Document Number	2022000600
Date	Jan 31, 2022
Instrument	2022-000600

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MATAGORDA TX
Recording Date	Oct 1, 2019
Property Address	3432 GRENNOCK ST, BAY CITY, TX 77414-6977
Document Number	2019005557
Map Reference	FILE 350A
Instrument Date	Sep 30, 2019
Instrument	2019-005557
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	BAY CITY ABSTRACT & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3432 GRENNOCK ST, 3432, BAY CITY, TX 77414-6977

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3432 GRENNOCK ST, BAY CITY, TX 77414-6977
Investor	Possibly a Property Investor

Mortgage

Document Number	2019005558
Date	Oct 1, 2019
Instrument	2019-005558

Lender

Name	TEXAS DOW EMPLOYEES CU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	3432 GRENNOCK ST, BAY CITY, TX 77414-6977
Transaction Type	Mortgage
Record Updated	Jan 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018007316
Date	Dec 12, 2018
Instrument	2018-007316

Lender

Name	FROST BANK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 3432 Grennock St was $7,684 with exemptions applied, up 85.2% from the year before.

Source: Matagorda County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bay City
County	Matagorda County
Unified School District	Bay City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,684.00 (+85.16%) Homeowner's exemption Disabled Person's exemption	$347,080 (+1.93%) Land $67,560 Building $279,520	$347,080 (+1.93%) Land $67,560 Building $279,520
2025	$4,150.00 Homeowner's exemption Disabled Person's exemption	$340,510 Land $67,560 Building $272,950	$340,510 Land $67,560 Building $272,950
2023		$269,150 Land $43,990 Building $225,160	$269,150 Land $43,990 Building $225,160
2022	$6,964.00

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

Flood

FEMA maps place 3432 Grennock St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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 File median of 30 policies
Nearby Flood Policies	30 in force
Nearby Flood Claims	14 (1979–2017)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 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 3432 Grennock St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 74% of Texas
Wildfire Likelihood	0.1% 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	CITY OF BAY CITY serves 18,061 people · EPA ID TX1610001
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Apr 2024
Treatment and Procedure	Coliform assessment Aug 2025
Monitoring and Reporting	7 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	800 / 400
TISD Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20
Skynet Fixed Wireless	100 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
YK Communications Fixed Wireless	100 / 20
MyJEC.net Fixed Wireless	25 / 5

May also be available: Sparklight.

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