Montgomery County property record for 428 Cumberland Trl, Conroe, TX 77302
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,420 sqft · built 1995 |
| Lot Size | 0.241 acres (10,512 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $333,800 (Dec 2021) |
| Tax Bill | $5,718 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8320-09-14500 |
| Primary APN | 8320-09-14500 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,420 sqft Living Area |
| Gross Area | 2,904 sqft |
| 1st Floor Area | 1,415 sqft |
| 2nd Floor Area | 1,005 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 10,512 sqft (0.241 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 428 CUMBERLAND TRL |
|---|---|
| City | CONROE |
| State | TX |
| Zip | 77302-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | S832009 - RIVER PLANTATION 09, LOT 411 |
| Legal Subdivision | RIVER PLANTATION 09 |
| Legal Lot Number | 411 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | SOUTHEAST MONTGOMERY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 693202 |
428 Cumberland Trl is owned and occupied by two individuals who bought it in December 2021.
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 | 428 CUMBERLAND TRL, CONROE, TX 77302-1086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2021 | Vendor's Lien, Transfer · Conventional Mortgage PENTAGON FCU |
| Nov 29, 2017 | Intrafamily Transfer, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2021 · Amount on File |
| Deed Sale | Dec 16, 2021 · Amount on File |
| Prior Sale | Nov 29, 2017 · Amount on File |
| Deed Document Number | 2021172757 |
| Prior Transfer Date | Sep 27, 2012 |
| Prior Transfer Doc | 0000095432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Dec 16, 2021 |
| Property Address | 428 CUMBERLAND TRL, CONROE, TX 77302-1086 |
| Document Number | 0000172757 |
| Map Reference | CAB ASH 87B |
| Instrument Date | Dec 14, 2021 |
| Instrument | 2021172757 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 CUMBERLAND TRL, CONROE, TX 77302-1086 |
| Document Number | 0000172758 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 2021172758 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Nov 29, 2017 |
| Property Address | 428 CUMBERLAND TRL, CONROE, TX 77302-1086 |
| Document Number | 0000107576 |
| Map Reference | CAB A SH87B |
| Instrument Date | Nov 20, 2017 |
| Instrument | 2017107576 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 428 CUMBERLAND TRL, CONROE, TX 77302-1086 |
| Document Number | 0000107577 |
|---|---|
| Date | Nov 29, 2017 |
| Instrument | 2017107577 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 428 Cumberland Trl was $5,718, up 3.5% 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 | $268,428 (-5%) Land $31,536 Building $236,892 | $268,428 (-5%) Land $31,536 Building $236,892 | |
| 2025 | $5,718.00 (+3.53%) | $282,556 (+4.92%) Land $31,536 Building $251,020 | $282,556 (+4.92%) Land $31,536 Building $251,020 |
| 2024 | $5,523.00 (-9.18%) | $269,304 (-9.78%) Land $31,536 Building $237,768 | $269,304 (-9.78%) Land $31,536 Building $237,768 |
| 2023 | $6,081.00 Homeowner's exemption | $298,500 Land $31,540 Building $266,960 | $298,500 Land $31,540 Building $266,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 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 428 Cumberland Trl is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 82% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% 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 85 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 | 2,000 / 2,000 |
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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