5896 White Oak Trce, Conroe, TX 77304 Property Records

Montgomery County property record for 5896 White Oak Trce, Conroe, TX 77304

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,949 sqft · built 2006
Lot Size	0.387 acres (16,874 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Nov 2019)
Tax Bill	$7,736 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9531-00-06800`

Property Details

APN / Parcel Number

Primary APN	`9531-00-06800`
Alternative APN	`R296299`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	3,949 sqft Living Area
Gross Area	4,699 sqft
1st Floor Area	2,728 sqft
2nd Floor Area	1,221 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	16,874 sqft (0.387 acres)
View / Lot	Primary
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	567 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5896 WHITE OAK TRCE
City	CONROE
State	TX
Zip	77304-5613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE OAK RANCH 01, BLOCK 2, LOT 5
Legal Subdivision	WHITE OAK RANCH 01
Legal Block	2
Legal Lot Number	5
Jurisdiction	MONTGOMERY TX
Township / Civil Division	SOUTHEAST MONTGOMERY
Census Block Group	1
Census Block	1025
Census Tract	693701

Owner

5896 White Oak Trce is owned and occupied by two individuals who bought it in November 2019.

Source: Montgomery County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA
Nov 6, 2019	Vendor's Lien, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Oct 5, 2017	Vendor's Lien, Transfer · Conventional Mortgage AMERICAN SOUTHWEST MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Oct 5, 2017 · Amount on File
Deed Document Number	2019103600
Prior Transfer Date	Jan 13, 2016
Prior Transfer Doc	0000003080
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613

Mortgage

Document Number	0000131032
Date	Oct 31, 2022
Instrument	2022131032

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77253

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TX
Property Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613

Mortgage

Document Number	0000131026
Date	Oct 31, 2022
Instrument	2022131026

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77253

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Nov 6, 2019
Property Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613
Document Number	0000103600
Map Reference	CAB Q SH 74
Instrument Date	Oct 30, 2019
Instrument	2019103600
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613

Mortgage

Document Number	0000103601
Date	Nov 6, 2019
Instrument	2019103601

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

October 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTGOMERY TX
Recording Date	Oct 5, 2017
Property Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613
Document Number	0000090255
Map Reference	CAB Q PG74
Instrument Date	Oct 2, 2017
Instrument	2017090255
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5896 WHITE OAK TRCE, CONROE, TX 77304-5613

Mortgage

Document Number	0000090256
Date	Oct 5, 2017
Instrument	2017090256

Lender

Name	AMERICAN SOUTHWEST MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 5896 White Oak Trce was $7,736 with exemptions applied, down 11.1% from the year before.

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		$696,300 (+1%)	$782,000 (+23.54%) Land $75,933 Building $706,067
2025	$7,736.00 (-11.13%) Homeowner's exemption Senior Citizen's exemption	$633,000 (-9.44%) Land $75,933 Building $557,067	$633,000 (-17.79%) Land $75,933 Building $557,067
2024	$8,705.00 (+0.15%) Homeowner's exemption Senior Citizen's exemption	$699,017 (+1%) Land $75,933 Building $694,067	$770,000 (+3.09%) Land $75,933 Building $694,067
2023	$8,692.00 Homeowner's exemption	$635,470 Land $75,930 Building $670,980	$746,910 Land $75,930 Building $670,980

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

Flood

FEMA maps place 5896 White Oak Trce in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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 File 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

Wildfire risk around 5896 White Oak Trce is low, with a 0.03% annual chance of 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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