703 S Main St, Saint Jo, TX 76265 Property Records

Montague County property record for 703 S Main St, Saint Jo, TX 76265

Property Summary

Property Type	Single Family Home
Details	1,126 sqft · built 1941
Lot Size	0.51 acres (22,235 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,928 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2008 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R000010457`

Property Details

APN / Parcel Number

Primary APN	`R000010457`
Alternative APN	`20409.0000.5975.0000`

Interior

Stories	1 Story
Building Area	1,126 sqft Total Area

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Lot Area	22,235 sqft (0.51 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Porch	Porch
Porch Area	150 sqft

Location & Zoning

Account Number	20409.0000.5975.0000
Street Address	703 S MAIN ST
City	SAINT JO
State	TX
Zip	76265-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 409 A KITCHEN 90X145
Legal Subdivision	KITCHEN SURVEY ABSTRACT NO
Jurisdiction	MONTAGUE TX
Township / Civil Division	ST. JO
Census Block Group	2
Census Block	2091
Census Tract	950100

Owner

Source: Montague County records, as of October 20, 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	2202 FM 2896, GAINESVILLE, TX 76240-6846
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2019	Deed of Trust, Mortgage · ARM FIRST STATE BANK
Jan 4, 2008	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Mar 9, 2016	Deed of Trust, Mortgage · FHA Mortgage TIB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2024
Deed Sale	Feb 22, 2024
Prior Sale	Oct 5, 2023 · Amount on Record
Deed Document Number	20241033
Prior Transfer Date	Sep 1, 2023
Prior Transfer Doc	0000004349
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	703 S MAIN ST, SAINT JO, TX 76265-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001903265
Date	Aug 9, 2019
Instrument	1903265

Lender

Name	FIRST STATE BANK
Type	Bank
Address	GAINESVILLE, TX 76241

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8.25%
Index	Prime Rate
Max Rate	18%

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	703 S MAIN ST, SAINT JO, TX 76265-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000423/857
Date	Jan 4, 2008
Book Page	423/857
Instrument	0080268

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2023

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	703 S MAIN ST, SAINT JO, TX 76265-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001601012
Date	Mar 9, 2016
Instrument	1601012

Lender

Name	TIB
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2046

Tax Assessment & Valuation

Source: Montague County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montague County
Municipality	Saint Jo City
Unified School District	Saint Jo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,928.00 (+314.62%)	$93,790 (-) Land $5,820 Building $87,970	$93,790 (-) Land $5,820 Building $87,970
2025	$465.00 (+24.66%)	$93,790 (+26.49%) Land $5,820 Building $87,970	$93,790 (+26.49%) Land $5,820 Building $87,970
2023		$74,150 Land $2,210 Building $71,940	$74,150 Land $2,210 Building $71,940
2022	$373.00

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 August 16, 2011 · 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
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 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	Moderate above 68% of the US · above 56% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	CITY OF SAINT JO serves 881 people · EPA ID TX1690006
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000

May also be available: ElektraFi, Nextlink.

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