500 S Main St, Saint Jo, TX 76265 Property Records

Montague County property record for 500 S Main St, Saint Jo, TX 76265

Property Summary

Property Type	Single Family Home
Details	1,779 sqft · built 1938
Lot Size	0.509 acres (22,183 sqft)
Owner	Individual Name on Record
Last Sale	$79,800 (Mar 2024)
Tax Bill	$2,460 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Jun 2008 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R000010439`

Property Details

APN / Parcel Number

Primary APN	`R000010439`
Alternative APN	`20409.0000.5500.0000`

Interior

Stories	1 Story
Building Area	1,779 sqft Total Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	22,183 sqft (0.509 acres)
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft
Porch	Porch
Porch Area	128 sqft

Location & Zoning

Account Number	20409.0000.5500.0000
Street Address	500 S MAIN ST
City	SAINT JO
State	TX
Zip	76265-2095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 409 PT BLK 46 A KITCHEN 135X144
Legal Subdivision	A KITCHEN SURVEY ABSTRACT 409
Legal Block	46
Jurisdiction	MONTAGUE TX
Township / Civil Division	ST. JO
Census Block Group	2
Census Block	2088
Census Tract	950100

Owner

Source: Montague County records, as of October 20, 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	6603 SMOKETREE TRL, DENTON, TX 76208-7369
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2017	Deed of Trust, Mortgage · ARM FIRST STATE BANK
Jun 16, 2008	Deed of Trust, Mortgage BARBARA HUTSON
Apr 5, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Deed Document Number	20241568
Prior Transfer Date	Mar 28, 2017
Prior Transfer Doc	0000001365
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	500 S MAIN ST, SAINT JO, TX 76265-2095
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001700515
Date	Feb 6, 2017
Instrument	1700515

Lender

Name	FIRST STATE BANK
Type	Bank
Address	GAINESVILLE, TX 76240

Agreement

Type	ARM
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2022

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Mar 1, 2022
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.12%
Index	Prime Rate
Max Rate	16.1%

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	500 S MAIN ST, SAINT JO, TX 76265-2095
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000444/495
Date	Jun 16, 2008
Book Page	444/495
Instrument	0085175

Lender

Name	BARBARA HUTSON
Type	Private Party
Address	SAINT JO, TX 76265

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2023

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTAGUE TX
Recording Date	Apr 5, 2017
Property Address	500 S MAIN ST, SAINT JO, TX 76265-2095
Document Number	0001701365
Instrument Date	Mar 28, 2017
Instrument	1701365
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	300 W HOWELL ST, SAINT JO, TX 76265-2067

Tax Assessment & Valuation

Source: Montague County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montague County
Municipality	Saint Jo City
Unified School District	Saint Jo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,460.00 (+314.84%)	$119,660 (-0.02%) Land $8,730 Building $110,930	$119,660 (-0.02%) Land $8,730 Building $110,930
2025	$593.00 (-4.05%)	$119,680 (-2.52%) Land $8,730 Building $110,950	$119,680 (-2.52%) Land $8,730 Building $110,950
2023		$122,780 Land $3,310 Building $119,470	$122,780 Land $3,310 Building $119,470
2022	$618.00

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 August 16, 2011 · 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
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 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 60% of the US · above 44% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach

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	CITY OF SAINT JO serves 881 people · EPA ID TX1690006
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000

May also be available: ElektraFi, Nextlink.

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