411 N Copa Palm Loop, Montgomery, TX 77316 Property Records

Montgomery County property record for 411 N Copa Palm Loop, Montgomery, TX 77316

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,200 sqft · built 2019
Lot Size	0.319 acres (13,883 sqft)
Owner	2 Individual Names on File
Last Sale	$1,073,100 (Jun 2021)
Tax Bill	$20,904 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7927-02-01000`

Property Details

APN / Parcel Number

Primary APN	`7927-02-01000`
Alternative APN	`R489168`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,200 sqft Living Area
Gross Area	4,102 sqft
1st Floor Area	2,265 sqft
2nd Floor Area	935 sqft
Attic	Attic
Attic Area	184 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	13,883 sqft (0.319 acres)
Garage Type	Attached
Garage Area	718 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	587 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	411 N COPA PALM LOOP
City	MONTGOMERY
State	TX
Zip	77316-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S792702 - PINE ISLAND AT WOODFOREST 02, BLOCK 2, LOT 5
Legal Subdivision	PINE ISLAND AT WOODFOREST 02
Legal Block	2
Legal Lot Number	5
Jurisdiction	MONTGOMERY TX
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1027
Census Tract	694503

Owner

411 N Copa Palm Loop is owned and occupied by two individuals who bought it in June 2021.

Source: Montgomery County records, as of September 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819
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
Nov 1, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jun 29, 2021	Vendor's Lien, Transfer · VA Mortgage DIRECTIONS EQUITY LLC
Nov 23, 2020	Loan Modification, Mortgage CADENCE BK NA
Nov 23, 2020	Loan Modification, Mortgage CADENCE BK NA
May 24, 2019	Deed of Trust, Construction Loan · Construction Mortgage CADENCE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Prior Sale	May 15, 2019
Deed Document Number	202188863
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819

Mortgage

Document Number	0000132117
Date	Nov 1, 2022
Instrument	2022132117

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2052

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 29, 2021
Property Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819
Document Number	0000088863
Map Reference	CAB Z SH 5441
Instrument Date	Jun 25, 2021
Instrument	2021088863
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30643 FM 2978 RD, MAGNOLIA, TX 77354-2316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819

Mortgage

Document Number	0000088864
Date	Jun 29, 2021
Instrument	2021088864

Lender

Name	DIRECTIONS EQUITY LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY TX
Property Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819
Document Number	0000152981
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	411 N COPA PALM LOOP MONTGOMERY TX 77316, MONTGOMERY, TX 77316

Mortgage

Document Number	0000152981
Date	Dec 30, 2020
Instrument	152981

Lender

Name	CADENCE BK NA
Address	THE WOODLANDS, TX 77380

Agreement

Amount	Amount on Record
Term	24 Months
Due	Dec 29, 2022

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY TX
Property Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819
Document Number	0000153483
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	411 N COPA PALM LOOP MONTGOMERY TX 77316, MONTGOMERY, TX 77316

Mortgage

Document Number	0000153483
Date	Dec 31, 2020
Instrument	153483

Lender

Name	CADENCE BK NA
Address	THE WOODLANDS, TX 77380

Agreement

Amount	Amount on Record
Term	24 Months
Due	Dec 30, 2022

May 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Recording Date	May 24, 2019
Property Address	411 N COPA PALM LOOP, MONTGOMERY, TX 77316-2819
Document Number	0000044181
Instrument Date	May 23, 2019
Instrument	44181
Transaction Type	Construction Loan
Record Updated	Jan 13, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30643 FM 2978 RD #A MAGNOLIA TX 773542316, A, MAGNOLIA, TX 77354-2316

Mortgage

Document Number	0000044181
Date	May 24, 2019
Instrument	44181

Lender

Name	CADENCE BK NA
Address	THE WOODLANDS, TX 77380

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 23, 2020

Interest

Rate	1%

Tax Assessment & Valuation

The 2025 property tax bill for 411 N Copa Palm Loop was $20,904 with exemptions applied, up 7.6% from the year before.

Source: Montgomery County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montgomery County
Unified School District	Montgomery Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,191,695 (+1%)	$1,195,000 (-2.77%) Land $200,000 Building $995,000
2025	$20,904.00 (+7.62%) Homeowner's exemption Veteran's exemption	$1,083,359 (+1%)	$1,229,000 (+24.79%) Land $200,000 Building $1,029,000
2024	$19,424.00 (+30.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$984,872 (-8.59%) Land $200,000 Building $784,872	$984,872 (-8.59%) Land $200,000 Building $784,872
2023	$14,864.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,077,430 Land $218,000 Building $859,430	$1,077,430 Land $218,000 Building $859,430

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

Flood

FEMA maps place 411 N Copa Palm Loop in Zone X, an area of minimal flood risk, though there have been 3 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 143 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	143 in force
Nearby Flood Claims	3 (2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 3 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 411 N Copa Palm Loop is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% 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	MONTGOMERY TRACE WATER SYSTEM private · serves 25,917 people · EPA ID TX1700638
Water Source	Purchased surface water from SJRA GRP SW TREATMENT PLANT
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MidSouth Fiber Internet Fiber	8,000 / 8,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ezee Fiber, Xfinity.

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