Montgomery County property record for 402 Cross St, Willis, TX 77378
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,612 sqft · built 1989 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $422,940 (Mar 2025) |
| Tax Bill | $790 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8400-00-04600 |
| Primary APN | 8400-00-04600 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,612 sqft Living Area |
| 1st Floor Area | 806 sqft |
| 2nd Floor Area | 806 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 11,250 sqft (0.258 acres) |
| View / Lot | Primary |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 172 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Canopy | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 402 CROSS ST |
|---|---|
| City | WILLIS |
| State | TX |
| Zip | 77378 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4 |
| Legal Description | S840000 - ROSS L S, BLOCK 4, LOT 12 |
| Legal Subdivision | ROSS L S |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | WILLIS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 694105 |
Source: Montgomery County records, as of October 6, 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 | PO BOX 651, WILLIS, TX 77378-0651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2025 · Amount on Record |
| Deed Sale | Mar 14, 2025 · Amount on Record |
| Prior Sale | Sep 1, 1982 |
| Deed Document Number | 202523895 |
| Prior Transfer Date | Feb 21, 2025 |
| Prior Transfer Doc | 0000023895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 402 CROSS ST, WILLIS, TX 77378 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 402 CROSS ST, WILLIS, TX 77378 |
| Document Number | 0000101368 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 2023101368 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Municipality | Willis City |
| Unified School District | Willis Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $127,816 (+1%) | $136,926 (-1.63%) Land $45,000 Building $91,926 | |
| 2025 | $790.00 (+17.04%) | $116,196 (+1%) | $139,194 (-22.12%) Land $45,000 Building $94,194 |
| 2024 | $675.00 (+9.93%) Homeowner's exemption Senior Citizen's exemption | $105,633 (+1%) Land $45,000 Building $133,736 | $178,736 (+1.12%) Land $45,000 Building $133,736 |
| 2023 | $614.00 Homeowner's exemption | $96,030 Land $45,000 Building $131,760 | $176,760 Land $45,000 Building $131,760 |
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 |
| Nearby Flood Policies | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 90% 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 | CITY OF WILLIS serves 14,133 people · EPA ID TX1700003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2025 |
|---|---|
| Treatment and Procedure | Coliform corrective action Feb 2026 |
| Monitoring and Reporting | 29 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 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Tachus Fiber Internet Fiber | 8,000 / 8,000 |
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Nextlink.
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