514 Elm Ridge Dr, Spring, TX 77386 Property Records

Montgomery County property record for 514 Elm Ridge Dr, Spring, TX 77386

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,548 sqft · built 2005
Lot Size	0.136 acres (5,913 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Jul 2024)
Tax Bill	$6,169 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`8229-00-01900`

Property Details

APN / Parcel Number

Primary APN	`8229-00-01900`
Alternative APN	`R319344`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,548 sqft Living Area
Gross Area	3,230 sqft
1st Floor Area	1,111 sqft
2nd Floor Area	1,437 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,913 sqft (0.136 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	276 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	514 ELM RIDGE DR
City	SPRING
State	TX
Zip	77386-2842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S822900 - RAYFORD RIDGE 01, BLOCK 2, LOT 7
Legal Subdivision	RAYFORD RIDGE 01
Legal Block	2
Legal Lot Number	7
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	1
Census Block	1000
Census Tract	691801

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	2 Individual Names on Record
Mailing Address	1310 CARAQUET DR, SPRING, TX 77386-2256
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Vendor's Lien, Transfer · Conventional Mortgage MORTGAGE FINANCIAL SERVICES LLC
May 4, 2018	Loan Modification, Mortgage · FHA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Prior Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	202469564
Prior Transfer Date	Jul 1, 2020
Prior Transfer Doc	0000067369
Record Updated	Oct 29, 2026

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jul 2, 2020
Property Address	514 ELM RIDGE DR, SPRING, TX 77386-2842
Document Number	0000067369
Map Reference	CAB U SH 167
Instrument Date	Jul 1, 2020
Instrument	2020067369
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 ELM RIDGE DR, SPRING, TX 77386-2842

Mortgage

Document Number	0000067370
Date	Jul 2, 2020
Instrument	2020067370

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY TX
Property Address	514 ELM RIDGE DR, SPRING, TX 77386-2842
Document Number	0000056308
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 ELM RIDGE DR SPRING TX 773862842, SPRING, TX 77386-2842

Mortgage

Document Number	0000056308
Date	Jun 14, 2018
Instrument	56308

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$341,941 (-0.05%) Land $58,000 Building $283,941	$341,941 (-0.05%) Land $58,000 Building $283,941
2025	$6,169.00 (+44.17%)	$342,113 (+10.51%) Land $58,000 Building $284,113	$342,113 (-1.38%) Land $58,000 Building $284,113
2024	$4,279.00 (+12.55%) Homeowner's exemption	$309,584 (+1%) Land $58,000 Building $288,885	$346,885 (+1.1%) Land $58,000 Building $288,885
2023	$3,802.00 Homeowner's exemption	$281,440 Land $58,000 Building $285,100	$343,100 Land $58,000 Building $285,100

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 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	SOUTHERN MONTGOMERY COUNTY MUD serves 13,372 people · EPA ID TX1700073
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	Under 1 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 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tachus Fiber Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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