Montgomery County property record for 392 Cumberland Trl, Conroe, TX 77302
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,380 sqft · built 1973 |
| Lot Size | 0.259 acres (11,272 sqft) |
| Owner | Individual Name on File |
| Last Sale | $221,149 (Sep 2020) |
| Tax Bill | $4,807 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8320-08-23000 |
| Primary APN | 8320-08-23000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,380 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| 2nd Floor Area | 1,120 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 11,272 sqft (0.259 acres) |
| View / Lot | Primary |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 92 sqft |
| Patio Area | 182 sqft |
| Canopy | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 392 CUMBERLAND TRL |
|---|---|
| City | CONROE |
| State | TX |
| Zip | 77302-2902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | S832008 - RIVER PLANTATION 08, LOT 230 |
| Legal Subdivision | RIVER PLANTATION 08 |
| Legal Lot Number | 230 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 693202 |
392 Cumberland Trl is owned and occupied by an individual who acquired it in June 2025.
Source: Montgomery County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2025 | Vendor's Lien, Transfer AMCAP MORTGAGE LTD |
| Sep 14, 2020 | Vendor's Lien, Transfer · FHA Mortgage AMCAP MORTGAGE LTD |
| Mar 10, 2017 | Warranty Deed, Transfer USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on File |
| Deed Sale | Sep 14, 2020 · Amount on File |
| Prior Sale | Mar 10, 2017 · Amount on File |
| Deed Document Number | 2020101096 |
| Last Transfer Date | Jun 11, 2025 |
| Transfer Doc | 0000085155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Aug 21, 2025 |
| Property Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| Document Number | 0000085155 |
| Map Reference | CAB A SH 19A |
| Instrument Date | Jun 11, 2025 |
| Instrument | 2025085155 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| Name | Verified Name |
|---|---|
| Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| Date | Aug 21, 2025 |
|---|
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Sep 14, 2020 |
| Property Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| Document Number | 0000101096 |
| Map Reference | CAB A SH 19A |
| Instrument Date | Sep 11, 2020 |
| Instrument | 2020101096 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| Document Number | 0000101097 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2020101097 |
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Mar 10, 2017 |
| Property Address | 392 CUMBERLAND TRL, CONROE, TX 77302-2902 |
| Document Number | 0000019765 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 19765 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 392 CUMBERLAND TRL CONROE TX 773022902, CONROE, TX 77302-2902 |
| Document Number | 19766 |
|---|---|
| Date | Mar 10, 2017 |
| Instrument | 19766 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 9, 2047 |
The 2025 property tax bill for 392 Cumberland Trl was $4,807, down 1% from the year before.
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 | $311,798 (-1.91%) Land $12,399 Building $299,399 | $311,798 (-1.91%) Land $12,399 Building $299,399 | |
| 2025 | $4,807.00 (-1.03%) Homeowner's exemption | $317,875 (+7.1%) Land $12,399 Building $305,476 | $317,875 (-4.18%) Land $12,399 Building $305,476 |
| 2024 | $4,857.00 (+10.44%) Homeowner's exemption | $296,802 (+1%) Land $12,399 Building $319,360 | $331,759 (-0.46%) Land $12,399 Building $319,360 |
| 2023 | $4,398.00 Homeowner's exemption | $269,820 Land $12,400 Building $320,890 | $333,290 Land $12,400 Building $320,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 392 Cumberland Trl in Zone X, an area of minimal flood risk, though there have been 94 flood claims nearby since 2016.
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 File median of 161 policies |
| Nearby Flood Policies | 161 in force |
| Nearby Flood Claims | 94 (2016–2025) |
| Claims Outside the SFHA | 12 of 94 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| 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 392 Cumberland Trl is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | EAST PLANTATION UTILITY DISTRICT serves 1,881 people · EPA ID TX1700283 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 4 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Tachus Fiber Internet Fiber | 8,000 / 8,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
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