5885 White Oak Trce, Conroe, TX 77304 Property Records

Montgomery County property record for 5885 White Oak Trce, Conroe, TX 77304

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,818 sqft · built 2018
Lot Size	0.436 acres (18,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,463,000 (Jun 2023)
Tax Bill	$21,213 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Jun 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`9531-00-04100`

Property Details

APN / Parcel Number

Primary APN	`9531-00-04100`
Alternative APN	`R296272`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,988 sqft Living Area
Gross Area	5,022 sqft
1st Floor Area	2,749 sqft
2nd Floor Area	1,069 sqft
Attic	Attic
Attic Area	170 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	18,975 sqft (0.436 acres)
View / Lot	Primary
Garage Type	Attached
Garage Area	1,034 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	711 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5885 WHITE OAK TRCE
City	CONROE
State	TX
Zip	77304-5614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE OAK RANCH 01, BLOCK 1, LOT 41
Legal Subdivision	WHITE OAK RANCH 01
Legal Block	1
Legal Lot Number	41
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	1
Census Block	1000
Census Tract	693701

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	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 1, 2023	Vendor's Lien, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA
Aug 7, 2019	Loan Modification, Mortgage FIRST FIN'L BK&TR
Aug 13, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jan 4, 2017
Deed Document Number	202348997
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000120907
Date	Dec 3, 2024
Instrument	2024120907

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 21, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Jun 1, 2023
Property Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Document Number	0000048997
Map Reference	CAB Q SH 74
Instrument Date	May 31, 2023
Instrument	2023048997
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614

Mortgage

Document Number	0000048998
Date	Jun 1, 2023
Instrument	2023048998

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096979
Date	Oct 17, 2019
Instrument	2019096979

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	ABILENE, TX 79606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111830
Date	Oct 5, 2020
Instrument	2020111830

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	ABILENE, TX 79606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY TX
Property Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Document Number	0000077061
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9426 BRACKENTON CREST DR SPRING TX 773792815, SPRING, TX 77379-2815

Mortgage

Document Number	0000077061
Date	Aug 22, 2019
Instrument	77061

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	MONTGOMERY, TX 77316

Agreement

Term	12 Months
Due	Aug 21, 2020

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONTGOMERY TX
Recording Date	Aug 13, 2018
Property Address	5885 WHITE OAK TRCE, CONROE, TX 77304-5614
Instrument Date	Aug 7, 2018
Instrument	78333
Transaction Type	Construction Loan
Record Updated	Nov 22, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000078333
Date	Aug 13, 2018
Instrument	78333

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CONROE, TX 77304

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 12, 2019

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,027,133 (-17.8%) Land $203,507 Building $823,626	$1,027,133 (-17.8%) Land $203,507 Building $823,626
2025	$21,213.00 (-12.28%) Homeowner's exemption	$1,249,582 (-9.89%) Land $203,507 Building $1,046,075	$1,249,582 (-9.89%) Land $203,507 Building $1,046,075
2024	$24,183.00 (+63.51%) Homeowner's exemption	$1,386,680 (+36.43%) Land $203,507 Building $1,183,173	$1,386,680 (+1.89%) Land $203,507 Building $1,183,173
2023	$14,790.00 Homeowner's exemption	$1,016,400 Land $203,510 Building $1,157,460	$1,360,970 Land $203,510 Building $1,157,460

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 132 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	132 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2024 · 3 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	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.03% 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	WHITE OAK RANCH SECTION ONE private · serves 495 people · EPA ID TX1700670
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Tachus Fiber Internet.

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