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

Montague County property record for 501 S Main St, Saint Jo, TX 76265

Property Summary

Property Type	Single Family Home
Details	3,500 sqft · built 1930
Lot Size	0.656 acres (28,575 sqft)
Owner	2 Individual Names on File
Last Sale	$146,900 (Mar 2014)
Tax Bill	$6,498 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2016 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R000010441`

Property Details

APN / Parcel Number

Primary APN	`R000010441`
Alternative APN	`20409.0000.5550.0000`

Interior

Stories	1 Story
Building Area	3,500 sqft Total Area
Upper Floors Area	1,684 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	28,575 sqft (0.656 acres)
Garage Area	361 sqft
Porch	Porch
Porch Area	46 sqft
Patio Area	480 sqft

Location & Zoning

Account Number	20409.0000.5550.0000
Street Address	501 S MAIN ST
City	SAINT JO
State	TX
Zip	76265-2096
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 409 ALEXANDER KITCHEN SURVEY (PT BLK D HOWELL)
Legal Subdivision	HOWELL ADDITION
Legal Block	D
Jurisdiction	MONTAGUE TX
Township / Civil Division	ST. JO
Census Block Group	2
Census Block	2082
Census Tract	950100

Owner

501 S Main St is owned and occupied by two individuals who bought it in March 2014.

Source: Montague County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	501 S MAIN ST, SAINT JO, TX 76265-2096
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
Dec 7, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 24, 2016	Deed of Trust, Mortgage · FHA Mortgage THE MONEY SOURCE INC
Mar 5, 2014	Vendor's Lien, Transfer · FHA Mortgage ASPIRE FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2014 · Amount on File
Deed Sale	Mar 5, 2014 · Amount on File
Deed Document Number	20142147
Deed Book / Page	739 / 880
Prior Transfer Date	Feb 28, 2014
Prior Transfer Doc	000739/880
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	501 S MAIN ST, SAINT JO, TX 76265-2096
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 S MAIN ST, SAINT JO, TX 76265-2096

Mortgage

Document Number	0002206437
Date	Dec 7, 2022
Instrument	2206437

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	261 Months
Due	Sep 1, 2044

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	501 S MAIN ST, SAINT JO, TX 76265-2096
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001604688
Date	Oct 24, 2016
Instrument	1604688

Lender

Name	THE MONEY SOURCE INC
Type	Mortgage Company
Address	WALNUT CREEK, CA 94596

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Sep 1, 2044

March 2014: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTAGUE TX
Recording Date	Mar 5, 2014
Property Address	501 S MAIN ST, SAINT JO, TX 76265-2096
Document Number	000739/880
Book / Page	739 / 880
Instrument Date	Feb 28, 2014
Instrument	1402147
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 S MAIN ST, SAINT JO, TX 76265-2096
Investor	Possibly a Property Investor

Mortgage

Document Number	0001402148
Date	Mar 5, 2014
Instrument	1402148

Lender

Name	ASPIRE FINANCIAL INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 501 S Main St was $6,498 with a homeowner's exemption, up 47% from the year before.

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	$6,498.00 (+47%) Homeowner's exemption	$316,099 (-1.31%)	$320,300 (-) Land $13,030 Building $307,270
2025	$1,140.00 Homeowner's exemption	$320,300 Land $13,030 Building $307,270	$320,300 Land $13,030 Building $307,270
2023		$240,030 Land $4,940 Building $235,090	$240,030 Land $4,940 Building $235,090
2022	$869.00

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

Flood

FEMA maps place 501 S Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

Wildfire risk around 501 S Main St is moderate, ranking above 60% of the US, with a 0.2% annual chance of 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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