Homes for Sale/Montgomery County/Conroe/White Oak Ranch
Active MLS #10744848 · 132 days on market

12336 Oak Bend Circle

Conroe, TX 77304
Subdivision  ·  White Oak Ranch
List Price
$990,000
$278/SF · 47.3% above neighborhood median
Beds
3
Baths
4
Sq Ft
3,562
Built
2007
Lot
0.30 ac
Garage
3-car
County
Montgomery
Tax Rate
2.18%

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

Beautiful custom waterfront home built by highly respected builder Monty Smith, perfectly positioned w/in the gated community of White Oak Ranch! This lovely home is set in a protected deep-water canal w/open water just seconds away, ideal for enjoying the ultimate lakefront lifestyle while being just minutes to dining, shopping & entertainment! Inside - soaring ceilings, rich wood floors, & an open-concept layout create the perfect setting for entertaining. Living RM features a dramatic floor-to-ceiling stone fireplace. Chef's kitchen boasts SS appliances, 5-burner gas cooktop, granite counters, breakfast bar, center island, & walk-in pantry. Owner's retreat offers a huge walk-in closet & an ensuite bath. Secondary bed RM & full bath downstairs. Upstairs - a massive game RM, a 3rd bed RM w/shared full bath, & media RM (could be study or 4th bed RM). Enjoy breathtaking sunsets & outdoor fun from the back patio overlooking the water! Oversized 3-car garage! GENERATOR! PULL FEATURE SHEET

Features

§ 02

Interior

  • Breakfast Bar
  • Bedroomon Upper Level
  • Crown Molding
  • Double Vanity
  • Entrance Foyer
  • En Suite Bathroom
  • Full Bath On Main Level
  • Granite Counters
  • Hollywood Bath
  • High Ceilings
  • Kitchen Island
  • Kitchen Family Room Combo
  • Bath In Primary Bedroom
  • Main Level Primary
  • Other Counters
  • Pantry
  • Split Bedrooms
  • Two Bedrooms Down

Exterior & lot

  • Covered Patio
  • Deck
  • Fence
  • Sprinkler Irrigation
  • Paved Driveway
  • Porch
  • Patio
  • Private Yard
  • Cleared
  • Subdivision
  • Views
  • Waterfront
  • Back Yard
  • Covered
  • Roof: Composition
  • Foundation: Slab
  • Attached
  • Garage

Community

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

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2007
Year Built Source PublicRecords
New Construction No
Builder Name Monty Smith Custom Builder

Building

Stories 2
Levels Two
Living Area 3,562 sq ft
Living Area Source Appraiser
Building Area Total 3,562 sq ft
Foundation Slab
Construction Brick
Roof Composition

Rooms & Baths

Bedrooms 3
Bedrooms Possible 4
Bathrooms (total) 4
Bathrooms Full 3
Bathrooms Half 1
Rooms Total 12
Fireplaces 1
Fireplace Features Gas Log

Interior

Interior Features Breakfast Bar, Bedroomon Upper Level, Crown Molding, Double Vanity, Entrance Foyer, En Suite Bathroom, Full Bath On Main Level, Granite Counters, Hollywood Bath, High Ceilings, Kitchen Island, Kitchen Family Room Combo, Bath In Primary Bedroom, Main Level Primary, Other Counters, Pantry, Split Bedrooms, Two Bedrooms Down, Tub Shower, Vanity, Walk In Pantry
Flooring Carpet, Tile, Wood
Appliances Dishwasher, Electric Oven, Gas Cooktop, Disposal, Microwave, Water Softener Owned
Laundry Washer Hookup
Windows Window Coverings
Security Security Gate, Security System Owned, Controlled Access, Smoke Detectors
Indoor Air Quality Ventilation

Exterior

Exterior Features Covered Patio, Deck, Fence, Sprinkler Irrigation, Paved Driveway, Porch, Patio, Private Yard
Patio / Porch Covered, Deck, Patio, Porch
Fencing Back Yard
Pool Private No
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 3
Attached Garage Yes
Parking Features Attached, Garage, Garage Door Opener, Oversized

Lot

Lot Size (acres) 0.2962
Lot Size Source Appraiser
Lot Features Cleared, Subdivision, Views, Waterfront
Direction Faces Southeast

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
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer
Electric Generator
Energy Efficient Radiant Attic Barrier, Thermostat

HOA / Association

HOA Yes
HOA Fee $847
HOA Fee Frequency Annually
HOA Name White Oak Ranch Homesowners Assoc
Fee Includes Common Areas, Other
Amenities Boat Ramp, Controlled Access, Gated

Taxes, Terms & Disclosures

Tax Annual Amount $21,534
Tax Year 2025
Tax Rate (est.) 2.18%
Parcel # 296267
Legal Description WHITE OAK RANCH 01, BLOCK 1, LOT 36
Listing Terms Cash, Conventional, Va Loan
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 12 rooms · MLS-supplied

Main level · 9

Primary Bedroom 15 x 20
Primary Bathroom 16 x 11
Entry Foyer 9 x 8
Living Room 20 x 31
Kitchen 14 x 17
Dining Room 14 x 14
Bedroom 13 x 12
Bathroom 18 x 8
Utility Room 5 x 8

Second level · 3

Game Room 13 x 40
Bedroom 13 x 15
Bathroom 7 x 6

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
$7,740
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$5,945 Property tax$1,795 Homeowners insuranceTBD
Subtotal (P&I + Tax) $7,740
Yearly HOA fee $847

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
$847
ANNUALLY
Association nameWhite Oak Ranch Homesowners Assoc 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)
No drought (D1 or worse)
US Drought Monitor county reading, week of 2026-09-15.
Sources: FEMA NFHL · NOAA GHCN-Daily · EPA AQS · US Drought Monitor. Climate rollup last computed Sep 23, 2026.

Recent Comparable Sales

§ 09
7 comparable sales nearby · sold median $189/SFAddress-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)1 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
12336 Oak Bend Circle, 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
May 15, 2026 Listed $990,000 Sarah Conway
Dec 31, 2006 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Sarah Conway · Better Homes and Gardens Real Estate Gary Greene - Lake Conroe North
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 Aug 27, 2026.
MLS# 10744848 · LIST DATE: May 15, 2026 · PARCEL: 296267
R
EHO
REALTOR® · Equal Housing Opportunity
HAR.com Copyright © 2026, Houston Realtors Information Service, Inc. Deemed reliable, not guaranteed — independently verify. HARMLS last updated Sep 24, 2026, 1:27 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity