Homes for Sale/Montgomery County/Conroe/White Oak Ranch
Active MLS #93525477 · 2 days on market

12320 White Oak Point

Conroe, TX 77304
Subdivision  ·  White Oak Ranch
List Price
$1.20M
$323/SF
Beds
4
Baths
5
Sq Ft
3,694
Built
2006
Lot
10,498 sf
Garage
2-car
County
Montgomery
Tax Rate
1.48%

Schools

§ 03
District
Elementary EDDIE RUTH LAGWAY EL A
Middle HOMER CALFEE MIDDLE N/R
High WILLIS H S CCMR 91% · Grad 95% B
TEA accountability ratings reflect 2024–25 where available. School attendance zones are subject to district redistricting — confirm directly with the district before making a school-based decision.

Overview

§ 01

Beyond the gates of White Oak Ranch, discover a Lake Conroe waterfront retreat where French-inspired elegance meets effortless lake living. A cascading pool, elevated spa and private dock with covered boat slips set the scene for memorable days on the water. Entertain beneath the covered patio, prepare dinner in the outdoor kitchen or simply settle in and enjoy the view. Inside, light-filled living spaces, detailed millwork and a statement fireplace create a warm, sophisticated welcome. The island kitchen features JennAir appliances, a gas cooktop and wine refrigerator. Retreat to the main-level primary suite with its inviting sitting area and water views. A dedicated office, formal dining room and upstairs game room offer room for every occasion. Perfectly placed on Lake Conroe's south end, this is a home that invites you to linger—and a lifestyle you'll look forward to coming home to.

Features

§ 02

Interior

  • Breakfast Bar
  • Crown Molding
  • Double Vanity
  • Entrance Foyer
  • En Suite Bathroom
  • Full Bath On Main Level
  • Granite Counters
  • Hot Tub Spa
  • Jetted Tub
  • Kitchen Island
  • Kitchen Family Room Combo
  • Main Level Primary
  • Pots And Pan Drawers
  • Pantry
  • Sitting Area In Primary
  • Split Bedrooms
  • Separate Shower
  • Two Bedrooms Up

Exterior & lot

  • Covered Patio
  • Deck
  • Hot Tub Spa
  • Irrigation Sprinklers
  • Outdoor Kitchen
  • Paved Driveway
  • Patio
  • Private Yard
  • Subdivision
  • Views
  • Waterfront
  • Covered
  • Roof: Composition
  • Foundation: Slab
  • Additional Parking
  • Attached
  • Driveway
  • Garage

Community

  • Boat Dock
  • Boat Ramp
  • Controlled Access
  • Gated
  • Security Gate
  • Security System Owned
  • Smoke Detectors
  • Canal
  • Lake
  • Water
  • Style: French Provincial

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style French Provincial
Year Built 2006
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 3,694 sq ft
Living Area Source Appraiser
Building Area Total 3,694 sq ft
Foundation Slab
Construction Brick
Roof Composition

Rooms & Baths

Bedrooms 4
Bathrooms (total) 5
Bathrooms Full 4
Bathrooms Half 1
Rooms Total 13
Fireplaces 2
Fireplace Features Gas Log

Interior

Interior Features Breakfast Bar, Crown Molding, Double Vanity, Entrance Foyer, En Suite Bathroom, Full Bath On Main Level, Granite Counters, Hot Tub Spa, Jetted Tub, Kitchen Island, Kitchen Family Room Combo, Main Level Primary, Pots And Pan Drawers, Pantry, Sitting Area In Primary, Split Bedrooms, Separate Shower, Two Bedrooms Up, Two Bedrooms Down, Tub Shower, Vanity
Flooring Carpet, Engineered Hardwood, Tile
Appliances Convection Oven, Dishwasher, Disposal, Gas Oven, Gas Range, Microwave, Oven, Energy Star Qualified Appliances, Refrigerator, Wine Refrigerator
Laundry Washer Hookup, Electric Dryer Hookup, Gas Dryer Hookup
Windows Low Emissivity Windows, Window Coverings
Security Security Gate, Security System Owned, Controlled Access, Smoke Detectors
Indoor Air Quality Ventilation

Exterior

Exterior Features Covered Patio, Deck, Hot Tub Spa, Irrigation Sprinklers, Outdoor Kitchen, Paved Driveway, Patio, Private Yard
Patio / Porch Covered, Deck, Patio
Pool Private Yes
Pool Features In Ground, Pool Spa Combo
Waterfront Yes
Waterfront Features Boat Dock Slip, Bulkhead, Boat Ramp Lift Access, Canal Front, Lake, Lake Front, Waterfront
View Yes
View Type Canal, Lake, Water

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Additional Parking, Attached, Driveway, Garage, Garage Door Opener

Lot

Lot Size (sq ft) 10,498
Lot Size (acres) 0.2410
Lot Size Source Appraiser
Lot Features Subdivision, Views, Waterfront
Direction Faces South

Location

County Montgomery
MLS Area Major 39
MLS Area Minor Lake Conroe Area
Subdivision White Oak Ranch
Road Surface Concrete
Postal Code 77304

Utilities

Heating Central, Gas, Zoned
Cooling Central Air, Electric, Zoned
Water Source Public
Sewer Public Sewer
Energy Efficient Appliances, Exposure Shade, Hvac, Insulation, Thermostat, Windows

HOA / Association

HOA Yes
HOA Fee $850
HOA Fee Frequency Annually
HOA Name White Oak Ranch HOA
Fee Includes Common Areas, Other
Amenities Boat Dock, Boat Ramp, Controlled Access, Gated

Taxes, Terms & Disclosures

Tax Annual Amount $17,636 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 1.48%
Parcel # 296275
Legal Description WHITE OAK RANCH 01, BLOCK 1, LOT 44
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 13 rooms · MLS-supplied

Main level · 9

Primary Bedroom 18x18
Breakfast Room Nook 16x21
Bedroom 14x11
Dining Room 16x12
Living Room 22x18
Office 8x8
Primary Bathroom 17x18
Kitchen 16x13
Utility Room 9x9

Second level · 4

Bedroom 14x11
Bedroom 17x12
Game Room 19x18
Bonus Room 5x8

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice
Not in archive
This MUD is not yet in our §49.452 archive. We'll add it on request.

Texas Water Code §49.452 requires districts to publish annual notices with tax rate, bonded indebtedness, and assessed value. Most Harris-area MUDs publish these; a handful managed by Inframark do not.

Request this notice
● What this tells you

The §49.452 notice is the only public document that lists a MUD's exact tax rate, outstanding bond debt, and the assessed value used to compute your taxes — direct from the district, not the MLS. If the district is newer or has more bonds outstanding than its neighbors, your effective tax rate will be higher here than just across the street.

Listing's rolled-up MUD rate — Resolved MUD jurisdiction not mapped Match confidence —

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$8,646
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$7,176 Property tax$1,470 Homeowners insuranceTBD
Subtotal (P&I + Tax) $8,646
Yearly HOA fee $850

Illustrative only, not a quote. P&I assumes the values entered above. Insurance and HOA dues vary — consult licensed lender and insurance agent for accurate quote.

● Effective tax rate · 3-year history
1.9924%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
—
→ stable
School
1.03%
→ stable
City
0.43%
→ stable
County
0.38%
→ stable
Other districts
0.15%
→ stable

HOA & Community

§ 05
● HOA details
$850
ANNUALLY
Association nameWhite Oak Ranch HOA Management co.— Websitevisit Phone(281) 219-8073 Cert on filetx_comptroller
Fee includes
CommonAreas · Other
● Community amenities
park
· 1.6mi
Ayers Island · 1.7mi
Ayers Island · 1.7mi
place_of_worship
Living Branch Church · 1.7mi
First United Methodist Church of Conroe · 3.2mi
Lake Church · 3.6mi
grocery
Circle K · 2.3mi
7-Eleven · 2.3mi
Quik Mart · 2.4mi
restaurant
Rudy's Bar-B-Q · 2.3mi
Papa’s On The Lake · 2.4mi
Jack in the Box · 2.5mi
daycare
Children’s Universe of Lake Conroe · 2.3mi
Kid's World Learning Center · 4.3mi
A Touch Of Love ChildCare · 5.0mi
gas_station
Chevron · 2.3mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
5,000 Mbps
Fiber available · cable ok
Fiber to the Premises
Tachus Fiber Internet
5,000 / 5,000 Mbps
● LOW LATENCY
Coaxial Cable
Xfinity
2,000 / 250 Mbps
● LOW LATENCY
Fiber to the Premises
Fidium Fiber
2,000 / 2,000 Mbps
● LOW LATENCY
Coaxial Cable
Optimum
940 / 35 Mbps
● LOW LATENCY
Copper
Consolidated Communications
500 / 75 Mbps
● LOW LATENCY
LBR Fixed Wireless
Nextlink
400 / 100 Mbps
● LOW LATENCY
Licensed Fixed Wireless
Verizon
300 / 20 Mbps
● LOW LATENCY
NGSO Satellite
Starlink
280 / 30 Mbps
● LOW LATENCY
+ 5 additional provider(s)

Environmental Risk

§ 08
X
FEMA Zone
Zone X · Minimal risk
Outside 100-year and 500-year floodplains. No flood insurance required by lender.
PANEL 48339C SFHA NO SOURCE 48339C_STUDY1
🌡 Heat days >95°F
57 days/yr above 95°F
Plus 12 days above 100°F. NOAA station records, 2016-2025 average.
💨 30-day air quality
AQI 51 · Moderate
Average daily AQI for the 30 days ending 2026-02-28. EPA AQS county monitors. Higher = worse.
🌵 Drought (current)
D1 · Moderate
US Drought Monitor county reading, week of 2026-10-13.
Sources: FEMA NFHL · NOAA GHCN-Daily · EPA AQS · US Drought Monitor. Climate rollup last computed Oct 16, 2026.

Recent Comparable Sales

§ 09
1 comparable sale nearbyAddress-level sold detail is available to registered users. Reach out to Allen for the full comparable-sales report.

Subdivision & Master Plan

§ 10
● Master plan
WHITE OAK RANCH
TIER: SUBDIVISION
Subdivision name (MLS)WHITE OAK RANCH City · ZIPConroe · 77304 CountyMontgomery Listings in subdivision356 Active now3 Sold (last 12 mo)2 Curated amenities60
● Year-built distribution
2005s 3

Fire Protection

§ 11
Nearest station
Fire Station 7
· Conroe
Distance
1.2 mi
Straight-line from listing
ISO rating
—
Future data point
Avg. response
—
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48339693701 · ACS 2023
Median HH income
$110,642
ACS 2023
Median home value
$346,600
Census self-report
Owner-occupied
99%
1,660 housing units
Bachelor's+
49%
Adults 25+
Median age
34.8
Population 3,808
Work from home
19%
of commuters
Commute 45min+
9%
of commuters
Below poverty
7.1%
tract-level

Amenities & Nearby Places

§ 13

Active listing — amenities should populate from the go-live pipeline. Click to fetch now if missing.

Location & Neighborhood

§ 13
● This Home
12320 White Oak Point, Conroe, TX 77304
Montgomery County · 30.37°N, 95.55°W
park
—
1.6 mi · 5 within 2 mi
place_of_worship
Living Branch Church
1.7 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Oct 15, 2026 Listed $1.20M Dane Gates
Dec 31, 2005 Built —
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Dane Gates · Berkshire Hathaway HomeServices Premier Properties
Data provided by Houston Realtors Information Service (HAR MLS). Information deemed reliable but not guaranteed. All measurements, square footage, and school assignments should be independently verified. HAR MLS content last updated Oct 17, 2026.
MLS# 93525477 · LIST DATE: Oct 15, 2026 · PARCEL: 296275
R
EHO
REALTOR® · Equal Housing Opportunity
HAR.com Copyright © 2026, Houston Realtors Information Service, Inc. Deemed reliable, not guaranteed — independently verify. HARMLS last updated Oct 17, 2026, 4:13 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity