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

Montague County property record for 708 S Main St, Saint Jo, TX 76265

Property Summary

Property Type	Single Family Home
Details	2,567 sqft · built 1929
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$102,700 (Aug 2020)
Tax Bill	$4,204 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R000010459`

Property Details

APN / Parcel Number

Primary APN	`R000010459`
Alternative APN	`20409.0000.6025.0000`

Interior

Stories	1 Story
Building Area	2,567 sqft Total Area
Upper Floors Area	783 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Lot Area	15,246 sqft (0.35 acres)
Porch	Porch
Porch Area	494 sqft

Location & Zoning

Account Number	20409.0000.6025.0000
Street Address	708 S MAIN ST
City	SAINT JO
State	TX
Zip	76265-2099
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 0.350 AB 409 ALEXANDER KITCHEN SURVEY
Legal Subdivision	A KITCHEN SURVEY A
Jurisdiction	MONTAGUE TX
Township / Civil Division	ST. JO
Census Block Group	2
Census Block	2090
Census Tract	950100

Owner

708 S Main St is owned and occupied by an individual who bought it in August 2020.

Source: Montague County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 521, SAINT JO, TX 76265-0521
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOODLEAP LLC
Aug 20, 2020	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jan 16, 2014	Vendor's Lien, Transfer CLARENCE DUNNING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Jan 16, 2014 · Amount on File
Deed Document Number	20203465
Prior Transfer Date	Aug 19, 2020
Prior Transfer Doc	0000003465
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	708 S MAIN ST, SAINT JO, TX 76265-2099
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 S MAIN ST, SAINT JO, TX 76265-2099

Mortgage

Document Number	0002400324
Date	Jan 22, 2024
Instrument	2400324

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	708 S MAIN ST, SAINT JO, TX 76265-2099
Transaction Type	Mortgage
Record Updated	Feb 5, 2026
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002104605
Date	Aug 30, 2021
Instrument	2104605

Lender

Name	GOODLEAP LLC
Type	Non-Lending Institution
Address	95861

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTAGUE TX
Recording Date	Aug 20, 2020
Property Address	708 S MAIN ST, SAINT JO, TX 76265-2099
Document Number	0002003465
Map Reference	DOC 1703146
Instrument Date	Aug 19, 2020
Instrument	2003465
Transaction Type	Transfer
Record Updated	Feb 5, 2026
Title Company	MONTAGUE COUNTY ABSTRACT AND TITLE, MONTAGUE CNTY ABSTRACT & TTL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 S MAIN ST, SAINT JO, TX 76265-2099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 521, SAINT JO, TX 76265-0521

Mortgage

Document Number	0002003466
Date	Aug 20, 2020
Instrument	2003466

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

January 2014: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MONTAGUE TX
Recording Date	Jan 16, 2014
Property Address	708 S MAIN ST, SAINT JO, TX 76265-2099
Document Number	000731/623
Book / Page	731 / 623
Instrument Date	Dec 30, 2013
Instrument	1400417
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 523, HARLETON, TX 75651-0523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 297, SAINT JO, TX 76265-0297

Mortgage

Document Number	0001400418
Date	Jan 16, 2014
Instrument	1400418

Lender

Name	CLARENCE DUNNING
Type	Seller
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 708 S Main St was $4,204 with exemptions applied, up 539.9% from the year before.

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	$4,204.00 (+539.88%) Homeowner's exemption Senior Citizen's exemption	$204,486 (-35.22%)	$315,480 (-0.05%) Land $14,930 Building $300,550
2025	$657.00 Homeowner's exemption Senior Citizen's exemption	$315,650 Land $14,930 Building $300,720	$315,650 Land $14,930 Building $300,720
2023		$176,910 Land $5,620 Building $171,290	$176,910 Land $5,620 Building $171,290
2022	$503.00

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

Flood

FEMA maps place 708 S Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

Wildfire risk around 708 S Main St is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 50% 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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