Homes for Sale/Montgomery County/Montgomery/Pine Lake Cove
Active MLS #64390357 · 77 days on market

17817 Stone Terrace Lane

Montgomery, TX 77316
Subdivision  ·  Pine Lake Cove
List Price
$413,110
$141/SF · 2.8% below neighborhood median
Beds
5
Baths
3
Sq Ft
2,923
Built
2026
Garage
2-car
County
Montgomery

Schools

§ 03
District
Elementary CREEKSIDE EL C
Middle OAK HILLS J H A
High LAKE CREEK H S CCMR 91% · Grad 97% A
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

Brand new, energy-efficient home available by Aug 2026! Skip the theater and enjoy movie night at home from the comfort of the Kessler’s second-story game room. Downstairs, the primary suite boasts dual sinks and a large walk-in closet. A useful kitchen island overlooks the open family and dining rooms. Located in Conroe off SH-105, Pine Lake Cove is just minutes from Lake Conroe. The community is zoned in the sought-after Montgomery ISD and is near parks and entertainment. Groundbreaking energy efficiency is also built seamlessly into every home in this community so you can spend less on utility bills and more on the things that matter most. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Features

§ 02

Interior

  • Double Vanity
  • Entrance Foyer
  • Granite Counters
  • Kitchen Island
  • Pantry
  • Quartz Counters
  • Two Bedrooms Down
  • Tub Shower
  • Walk In Pantry
  • Kitchen Dining Combo
  • Living Dining Room
  • Programmable Thermostat
  • Dishwasher
  • Disposal
  • Microwave
  • Trash Compactor
  • Energy Star Qualified Appliances
  • Tankless Water Heater

Exterior & lot

  • Subdivision
  • Roof: Composition
  • Foundation: Slab
  • Attached
  • Garage

Community

  • Prewired
  • Smoke Detectors
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2026
Year Built Source Builder
New Construction Yes
Property Condition Under Construction
Builder Name Meritage Homes

Building

Stories 2
Levels Two
Living Area 2,923 sq ft
Living Area Source Builder
Building Area Total 2,923 sq ft
Foundation Slab
Construction Brick, Stone
Roof Composition

Rooms & Baths

Bedrooms 5
Bathrooms (total) 3
Bathrooms Full 3
Bathrooms Half 0
Rooms Total 8

Interior

Interior Features Double Vanity, Entrance Foyer, Granite Counters, Kitchen Island, Pantry, Quartz Counters, Two Bedrooms Down, Tub Shower, Walk In Pantry, Kitchen Dining Combo, Living Dining Room, Programmable Thermostat
Flooring Engineered Hardwood, Tile, Vinyl
Appliances Dishwasher, Disposal, Microwave, Trash Compactor, Energy Star Qualified Appliances, Tankless Water Heater
Windows Low Emissivity Windows
Security Prewired, Smoke Detectors

Exterior

Pool Private No

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Features Subdivision

Location

County Montgomery
MLS Area Major 39
MLS Area Minor Lake Conroe Area
Subdivision Pine Lake Cove
Postal Code 77316

Utilities

Heating Heat Pump
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer
Energy Efficient Appliances, Hvac, Insulation, Lighting, Thermostat, Water Heater, Windows

HOA / Association

HOA Yes
HOA Fee $1,200
HOA Fee Frequency Annually
HOA Name IMC Property Management

Taxes, Terms & Disclosures

Tax Year 2025
Parcel # 821025
Legal Description SF 0256 Plan C454C
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures None

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 4

Primary Bedroom 18x14
Bedroom 13x11
Living Room 19x25
Kitchen 15x13

Second level · 4

Bedroom 14x12
Bedroom 13x13
Bedroom 13x11
Game Room 18x18

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 0.8800 Resolved MUD jurisdiction Montgomery County MUD 138 Match confidence
● Comptroller-verified financials · FY2024

We don't yet have the §49.452 notice for this district on file, but Texas Comptroller SB 625 financial data is available. Numbers below come from the district's annual SPDPID filing — the same dataset auditors use.

Ad Valorem Rate
0.8800
per $100 assessed
Outstanding Bonds
$0
principal outstanding
Authorized Debt
$0
total authorized
Comptroller TPID32065108055 Filed underMontgomery County Municipal Utility District #138 Total tax rate0.0000 (M/O 0.0000 + I/S 0.0000) Crosswalk methodexact name match

Source: Texas Comptroller SPDPID (SB 625), FY2024 annual filing. The §49.452 notice itself will load here when we obtain the PDF.

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$3,453
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,481 Property tax$972 Homeowners insuranceTBD
Subtotal (P&I + Tax) $3,453
Yearly HOA fee $1,200

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
2.8227%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
0.88%
→ stable
School
1.09%
→ stable
City
0.43%
→ stable
County
0.38%
→ stable
Other districts
0.05%
→ stable

HOA & Community

§ 05
● HOA details
$1,200
ANNUALLY
Association nameIMC Property Management Management co. Websitevisit Phone(832) 255-6787 Cert on filetx_comptroller
● Community amenities
daycare
Raising Arrows In-home Daycare · 0.3mi
Raising Arrows In-home Daycare · 0.3mi
Swingin' Fun by Crystal, LLC · 0.4mi
gym
Montgomery Gymnastics Academy · 0.4mi
Montgomery Gymnastics Academy · 0.4mi
Fearless Boxing Gym · 0.4mi
bank
Austin Bank · 0.4mi
Austin Bank · 0.4mi
Chase Bank · 0.7mi
veterinary
Animal Hospital of Montgomery · 0.5mi
Animal Hospital of Montgomery · 0.6mi
Wags 2 Whiskers Veterinary Hospital · 0.9mi
gas_station
Circle K · 0.6mi
Exxon · 0.8mi
grocery
Circle K · 0.7mi
Circle K · 0.8mi
Walmart Supercenter · 0.8mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
5,000 Mbps
Fiber available · cable ok
Fiber to the Premises
MidSouth Fiber Internet
5,000 / 5,000 Mbps
● LOW LATENCY
Fiber to the Premises
Fidium Fiber
2,000 / 2,000 Mbps
● LOW LATENCY
Fiber to the Premises
Xfinity
2,000 / 1,000 Mbps
● LOW LATENCY
Coaxial Cable
Xfinity
2,000 / 1,000 Mbps
● LOW LATENCY
Coaxial Cable
Optimum
940 / 35 Mbps
● LOW LATENCY
Copper
Consolidated Communications
500 / 75 Mbps
● LOW LATENCY
Licensed Fixed Wireless
Verizon
300 / 20 Mbps
● LOW LATENCY
NGSO Satellite
Starlink
280 / 30 Mbps
● LOW LATENCY
+ 4 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
8 comparable sales nearby · sold median $145/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
Pine Lake Cove
TIER: SUBDIVISION
Subdivision name (MLS)Pine Lake Cove City · ZIPMontgomery · 77316 CountyMontgomery Listings in subdivision790 Active now43 Sold (last 12 mo)130 Curated amenities60
● Year-built distribution
2020s 13 2025s 30

Fire Protection

§ 11
Nearest station
Montgomery Fire Department Station 54
· Montgomery
Distance
2.5 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48339694403 · ACS 2023
Median HH income
$75,433
ACS 2023
Median home value
$227,800
Census self-report
Owner-occupied
73%
1,225 housing units
Bachelor's+
26%
Adults 25+
Median age
37.3
Population 3,012
Work from home
15%
of commuters
Commute 45min+
24%
of commuters
Below poverty
13.0%
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
17817 Stone Terrace Lane, Montgomery, TX 77316
Montgomery County · 30.37°N, 95.64°W
daycare
Raising Arrows In-home Daycare
0.3 mi · 6 within 2 mi
gym
Montgomery Gymnastics Academy
0.4 mi · 8 within 2 mi
bank
Austin Bank
0.4 mi · 2 within 2 mi
veterinary
Animal Hospital of Montgomery
0.5 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Jul 8, 2026 Listed $413,110 Patrick McGrath
Dec 31, 2025 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Patrick McGrath · Meritage Homes Realty
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 Sep 23, 2026.
MLS# 64390357 · LIST DATE: Jul 8, 2026 · PARCEL: 821025
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 23, 2026, 11:00 PM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity