Montgomery County property record for 4109 Emerson Cove Dr, Spring, TX 77386
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,978 sqft · built 2020 |
| Lot Size | 0.139 acres (6,033 sqft) |
| Owner | Individual Name on File |
| Last Sale | $363,612 (Nov 2020) |
| Tax Bill | $9,201 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 2132-04-06500 |
| Primary APN | 2132-04-06500 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,978 sqft Living Area |
| Gross Area | 3,378 sqft |
| 1st Floor Area | 2,187 sqft |
| 2nd Floor Area | 791 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,033 sqft (0.139 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 335 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4109 EMERSON COVE DR |
|---|---|
| City | SPRING |
| State | TX |
| Zip | 77386-4889 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S213204 - ALLEGRO AT HARMONY 04, BLOCK 3, LOT 38 |
| Legal Subdivision | ALLEGRO AT HARMONY 04 |
| Legal Block | 3 |
| Legal Lot Number | 38 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 692009 |
4109 Emerson Cove Dr is owned and occupied by an individual who bought it in November 2020.
Source: Montgomery County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4109 EMERSON COVE DR, SPRING, TX 77386-4889 |
| 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 |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Nov 17, 2020 | Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage CRESTMARK MORTGAGE COMPANY LTD |
| Jun 30, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on File |
| Deed Sale | Nov 17, 2020 · Amount on File |
| Deed Document Number | 2020132828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 4109 EMERSON COVE DR, SPRING, TX 77386-4889 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4109 EMERSON COVE DR, SPRING, TX 77386-4889 |
| Document Number | 0000096072 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 2025096072 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Nov 17, 2020 |
| Property Address | 4109 EMERSON COVE DR, SPRING, TX 77386-4889 |
| Document Number | 0000132828 |
| Map Reference | CAB Z SH 5350-5352 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 2020132828 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4109 EMERSON COVE DR, SPRING, TX 77386-4889 |
| Document Number | 0000132829 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 2020132829 |
| Name | CRESTMARK MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Jun 30, 2020 |
| Property Address | 4109 EMERSON COVE DR, SPRING, TX 77386-4889 |
| Document Number | 0000065704 |
| Instrument Date | May 21, 2020 |
| Instrument | 65704 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9000 GULF FWY HOUSTON TX 770177018, HOUSTON, TX 77017-7018 |
The 2025 property tax bill for 4109 Emerson Cove Dr was $9,201, down 5.2% 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 | $484,014 (-1.51%) Land $29,320 Building $454,694 | $484,014 (-1.51%) Land $29,320 Building $454,694 | |
| 2025 | $9,201.00 (-5.21%) Homeowner's exemption | $491,448 (+1.54%) Land $29,176 Building $462,272 | $491,448 (+0.92%) Land $29,176 Building $462,272 |
| 2024 | $9,707.00 (+75.69%) Homeowner's exemption | $484,000 (+5.63%) Land $29,176 Building $457,796 | $486,972 (+6.27%) Land $29,176 Building $457,796 |
| 2023 | $5,525.00 Homeowner's exemption | $458,220 Land $29,180 Building $429,040 | $458,220 Land $29,180 Building $429,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4109 Emerson Cove Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 4109 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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