Montgomery County property record for 4046 Emerson Cove Dr, Spring, TX 77386
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,883 sqft · built 2019 |
| Lot Size | 0.164 acres (7,146 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $674,310 (Jun 2022) |
| Tax Bill | $8,292 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 2132-04-01300 |
| Primary APN | 2132-04-01300 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,883 sqft Living Area |
| Gross Area | 3,324 sqft |
| 1st Floor Area | 2,883 sqft |
| Flooring | Wood |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 7,146 sqft (0.164 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 155 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4046 EMERSON COVE DR |
|---|---|
| City | SPRING |
| State | TX |
| Zip | 77386-4791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S213204 - ALLEGRO AT HARMONY 04, BLOCK 2, LOT 4 |
| Legal Subdivision | ALLEGRO AT HARMONY 04 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 692009 |
4046 Emerson Cove Dr is owned and occupied by two individuals who bought it in June 2022.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4046 EMERSON COVE DR, SPRING, TX 77386-4791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 23, 2022 | Vendor's Lien, Transfer · Conventional Mortgage CADENCE BANK NA |
| Sep 4, 2019 | Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage CRESTMARK MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on File |
| Deed Sale | Jun 23, 2022 · Amount on File |
| Prior Sale | Sep 4, 2019 · Amount on File |
| Deed Document Number | 202279283 |
| Prior Transfer Date | Aug 30, 2019 |
| Prior Transfer Doc | 0000081688 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 4046 EMERSON COVE DR, SPRING, TX 77386-4791 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000093965 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 2020093965 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Sep 1, 2049 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Jun 23, 2022 |
| Property Address | 4046 EMERSON COVE DR, SPRING, TX 77386-4791 |
| Document Number | 0000079283 |
| Map Reference | CAB Z SH 5350 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 2022079283 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4046 EMERSON COVE DR, SPRING, TX 77386-4791 |
| Document Number | 0000079284 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 2022079284 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 5, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jul 5, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Sep 4, 2019 |
| Property Address | 4046 EMERSON COVE DR, SPRING, TX 77386-4791 |
| Document Number | 0000081688 |
| Map Reference | CAB Z SH 5350 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 2019081688 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4046 EMERSON COVE DR, SPRING, TX 77386-4791 |
| Document Number | 0000081689 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 2019081689 |
| Name | CRESTMARK MORTGAGE COMPANY LTD |
|---|---|
| Type | Lending Institution |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 4046 Emerson Cove Dr was $8,292 with a homeowner's exemption, down 12.4% from the year before.
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Conroe Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $438,898 (-9.66%) Land $34,730 Building $404,168 | $438,898 (-9.66%) Land $34,730 Building $404,168 | |
| 2025 | $8,292.00 (-12.45%) Homeowner's exemption | $485,815 (+2.64%) Land $29,722 Building $456,093 | $485,815 (+2.64%) Land $29,722 Building $456,093 |
| 2024 | $9,471.00 (+76.73%) | $473,307 (+10.4%) Land $29,722 Building $443,585 | $473,307 (+3.34%) Land $29,722 Building $443,585 |
| 2023 | $5,359.00 Homeowner's exemption | $428,710 Land $29,720 Building $428,290 | $458,010 Land $29,720 Building $428,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4046 Emerson Cove Dr in Zone X, an area of moderate flood risk, though there have been 5 flood claims nearby since 2017.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 373 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 373 in force |
| Nearby Flood Claims | 5 (2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2017 · Hurricane Harvey |
| 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 4046 Emerson Cove Dr 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 | 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 | MONTGOMERY COUNTY MUD 119 SPRING TRAILS serves 6,621 people · EPA ID TX1700773 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 611 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Astound Broadband Fiber · Cable in parts of the area | 1,500 / 1,500 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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