Montgomery County property record for 646 Saint Lawrence River Rd, Montgomery, TX 77316
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,632 sqft · built 2020 |
| Lot Size | 0.189 acres (8,213 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $203,900 (Jun 2020) |
| Tax Bill | $2,986 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6580-02-75600 |
| Primary APN | 6580-02-75600 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 1,860 sqft |
| 1st Floor Area | 1,072 sqft |
| 2nd Floor Area | 560 sqft |
| Flooring | Wood |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 8,213 sqft (0.189 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 228 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 646 SAINT LAWRENCE RIVER RD |
|---|---|
| City | MONTGOMERY |
| State | TX |
| Zip | 77316-6123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S658002 - LAKE CONROE FOREST 02, BLOCK 43, LOT 2 |
| Legal Subdivision | LAKE CONROE FOREST 02 |
| Legal Block | 43 |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY TX |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 694402 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 646 SAINT LAWRENCE RIVER RD, MONTGOMERY, TX 77316-6123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 10, 2020 | Vendor's Lien, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2020 · Amount on Record |
| Deed Sale | Jun 10, 2020 · Amount on Record |
| Deed Document Number | 202056090 |
| Prior Transfer Date | Jun 8, 2020 |
| Prior Transfer Doc | 0000056090 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Property Address | 646 SAINT LAWRENCE RIVER RD, MONTGOMERY, TX 77316-6123 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000085833 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021085833 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MONTGOMERY TX |
| Recording Date | Jun 10, 2020 |
| Property Address | 646 SAINT LAWRENCE RIVER RD, MONTGOMERY, TX 77316-6123 |
| Document Number | 0000056090 |
| Map Reference | VOL 6 PG 31 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 2020056090 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | MOMENTUM TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 SAINT LAWRENCE RIVER RD, MONTGOMERY, TX 77316-6123 |
| Document Number | 0000056091 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | 2020056091 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Montgomery County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Conroe City |
| County | Montgomery County |
| Unified School District | Montgomery Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $257,595 (+1.14%) Land $24,639 Building $232,956 | $257,595 (+1.14%) Land $24,639 Building $232,956 | |
| 2025 | $2,986.00 (-9.6%) Homeowner's exemption | $254,697 (+2.93%) Land $24,639 Building $230,058 | $254,697 (-2.18%) Land $24,639 Building $230,058 |
| 2024 | $3,303.00 (+16.59%) Homeowner's exemption | $247,445 (+1%) Land $24,639 Building $235,741 | $260,380 (+4.22%) Land $24,639 Building $235,741 |
| 2023 | $2,833.00 Homeowner's exemption | $224,950 Land $24,640 Building $225,190 | $249,830 Land $24,640 Building $225,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 52 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 13 (2015–2025) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 85% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | LAKE BONANZA WSC serves 2,142 people · EPA ID TX1700578 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Gross alpha radiation resolved · Oct 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MidSouth Fiber Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Optimum Cable | 940 / 35 |
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