435 Cumberland Trl, Conroe, TX 77302 Property Records

Montgomery County property record for 435 Cumberland Trl, Conroe, TX 77302

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,051 sqft · built 2001
Lot Size	0.279 acres (12,149 sqft)
Owner	Individual Name on Record
Last Sale	$160,200 (Aug 2001)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8320-09-12000`

Property Details

APN / Parcel Number

Primary APN	`8320-09-12000`
Alternative APN	`R147224`

Interior

Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,051 sqft Living Area
1st Floor Area	2,051 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	12,149 sqft (0.279 acres)
View / Lot	Primary
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	20 sqft
Canopy	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	435 CUMBERLAND TRL
City	CONROE
State	TX
Zip	77302-1089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	RIVER PLANTATION 09, LOT 386
Legal Subdivision	RIVER PLANTATION 09
Legal Lot Number	386
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	3
Census Block	3000
Census Tract	693202

Owner

Source: Montgomery County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	435 CUMBERLAND TRL, CONROE, TX 77302-1089
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2001 · Amount on Record
Deed Sale	Aug 2, 2001 · Amount on Record
Prior Sale	Jul 5, 1995
Deed Document Number	200167030
Prior Transfer Date	Jul 30, 2001
Prior Transfer Doc	0000067030
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	435 CUMBERLAND TRL, CONROE, TX 77302-1089
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031271
Date	Apr 17, 2019
Instrument	2019031271

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$304,429 (-3.89%) Land $36,447 Building $267,982	$304,429 (-3.89%) Land $36,447 Building $267,982
2025	$2,954.00 (-21.64%) Homeowner's exemption Senior Citizen's exemption	$316,751 (+6.12%) Land $36,447 Building $280,304	$316,751 (+5.25%) Land $36,447 Building $280,304
2024	$3,770.00 (+1.21%) Homeowner's exemption Senior Citizen's exemption	$298,485 (+1%) Land $36,447 Building $264,516	$300,963 (+0.92%) Land $36,447 Building $264,516
2023	$3,725.00 Homeowner's exemption	$271,350 Land $36,450 Building $261,760	$298,210 Land $36,450 Building $261,760

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

Flood

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 Record 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	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2024 · 28 claims Hurricane Harvey, Sep 2017 · 48 claims Severe Storms And Flooding, Jun 2016 · 10 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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