Montgomery County property record for 5438 Zephyr Ln, Willis, TX 77318
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,269 sqft · built 2016 |
| Lot Size | 0.193 acres (8,418 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $382,200 (Dec 2025) |
| Tax Bill | $7,596 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5725-06-00300 |
| Primary APN | 5725-06-00300 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,269 sqft Living Area |
| Gross Area | 3,062 sqft |
| 1st Floor Area | 1,968 sqft |
| 2nd Floor Area | 301 sqft |
| Upper Floors Area | 301 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 8,418 sqft (0.193 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 358 sqft |
| Patio Area | 387 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5438 ZEPHYR LN |
|---|---|
| City | WILLIS |
| State | TX |
| Zip | 77318-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S572506 - HARBOUR TOWN CLUB 06, BLOCK 2, LOT 2 |
| Legal Subdivision | HARBOUR TOWN CLUB 06 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | WILLIS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 694206 |
5438 Zephyr Ln is owned and occupied by two individuals who bought it in December 2025.
Source: Montgomery County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 22, 2025 | Vendor's Lien, Transfer · VA Mortgage MORTGAGE CONNEXTIONS LP |
| Sep 6, 2022 | Vendor's Lien, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 22, 2019 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Jul 8, 2019 | Vendor's Lien, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2025 · Amount on File |
| Deed Sale | Dec 22, 2025 · Amount on File |
| Prior Sale | Sep 6, 2022 · Amount on File |
| Deed Document Number | 2025131612 |
| Prior Transfer Date | Jul 3, 2019 |
| Prior Transfer Doc | 0000059497 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Dec 22, 2025 |
| Property Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Document Number | 0000131612 |
| Map Reference | CAB Z SH 511 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2025131612 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Document Number | 0000131613 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 2025131613 |
| Name | MORTGAGE CONNEXTIONS LP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Sep 6, 2022 |
| Property Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Document Number | 0000110687 |
| Map Reference | CAB Z SH 511 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 2022110687 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | STEWART TITLE, STEWART TTL OF MONTGOMERY CN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Investor | Possibly a Property Investor |
| Document Number | 0000110688 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 2022110688 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013975 |
|---|---|
| Date | Feb 22, 2019 |
| Instrument | 2019013975 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 2, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Jul 8, 2019 |
| Property Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Document Number | 0000059497 |
| Map Reference | CAB Z SH 511 |
| Instrument Date | Jul 3, 2019 |
| Instrument | 2019059497 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5438 ZEPHYR LN, WILLIS, TX 77318-2308 |
| Document Number | 0000059498 |
|---|---|
| Date | Jul 8, 2019 |
| Instrument | 2019059498 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 5438 Zephyr Ln was $7,596, up 23.5% from the year before.
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Montgomery County |
| Unified School District | Willis Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $377,913 (+3.53%) Land $56,401 Building $321,512 | $377,913 (+3.53%) Land $56,401 Building $321,512 | |
| 2025 | $7,596.00 (+23.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $365,011 (-4.25%) Land $56,401 Building $308,610 | $365,011 (-4.25%) Land $56,401 Building $308,610 |
| 2024 | $6,151.00 (-28.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $381,220 (-) Land $56,401 Building $324,819 | $381,220 (-) Land $56,401 Building $324,819 |
| 2023 | $8,547.00 Homeowner's exemption | $381,220 Land $56,400 Building $324,820 | $381,220 Land $56,400 Building $324,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5438 Zephyr Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 57 individual policies |
| Nearby Flood Policies | 89 units insured incl. 32 condo units |
| Nearby Flood Claims | 3 (2017–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2024 · Hurricane Beryl |
| 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.
The area around 5438 Zephyr Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | MONTGOMERY COUNTY UD 2 serves 3,381 people · EPA ID TX1700115 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Tachus Fiber Internet Fiber | 8,000 / 8,000 |
| Frontier Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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