Schools

§ 03

District

Elementary	MONTGOMERY EL	B
Middle	MONTGOMERY J H	C
High	MONTGOMERY H S CCMR 85% · Grad 98%	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

Amazing opportunity to own one of the few remaining fully wooded open water acre lots on a very serene part of lake Conroe. Gorgeous open water & and forested views! Located in Gemstone estates, a quiet gated private enclave on the preferred Little Lake Creek arm of Conroe, with direct access to 1097. Just minutes from all the shopping & restaurants in Montgomery, Willis & Conroe. Extensive survey available (includes trees, elevations & lot widths behind building line at lakeside) for easier planning. Cul-de-sac pie shape location gives more lakefront footage. Lot has excellent elevation to build your dream home above the “top of dam” elevation. Super low tax rate with NO MUD TAX! Montgomery schools!

Features

§ 02

Interior

Not provided

Exterior & lot

Cul De Sac
Wooded
Waterfront

Community

Gated
Security Gate

Property Details

§ 03 · Full MLS record

Property

Property Type

Land

Rooms & Baths

Bathrooms (total)

0

Interior

Security

Security Gate

Exterior

Waterfront	Yes
Waterfront Features	Bulkhead, Lake, Lake Front, Waterfront

Lot

Lot Size (acres)	1.0110
Lot Size Source	Appraiser
Lot Features	Cul De Sac, Wooded, Waterfront
Additional Parcels	Yes
Additional Parcel Info	52750002200

Location

County	Montgomery
MLS Area Major	39
MLS Area Minor	Lake Conroe Area
Subdivision	Gemstone Estates
Road Surface	Asphalt
Postal Code	77356

Utilities

Water Source

Public

HOA / Association

HOA	Yes
HOA Fee	$700
HOA Fee Frequency	Annually
HOA Name	Gemstone Estates OA
Fee Includes	Common Areas
Amenities	Gated

Taxes, Terms & Disclosures

Tax Annual Amount	$3,877 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year	2025 (county roll)
Tax Rate (est.)	0.42%
Parcel #	250732
Legal Description	GEMSTONE ESTATES, BLOCK 1, LOT 22
Listing Terms	Cash, Conventional
Disclosures	Owner Is Listing Agent

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

$5,877

30-YR FIXED · ADJUST ASSUMPTIONS BELOW

Interest rate

%

Down payment

%

Principal & interest$5,554 Property tax$323 Homeowners insuranceTBD

Subtotal (P&I + Tax) $5,877

Yearly HOA fee $700

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

1.6155%

ALL 4 TAXING DISTRICTS · 2025 BILL

202320242025

MUD

—

→ stable

School

1.09%

→ stable

City

—

→ stable

County

0.38%

→ stable

Other districts

0.15%

→ stable

HOA & Community

§ 05

● HOA details

$700

ANNUALLY

Association nameGemstone Estates OA Management co.— Website— Phone— Cert on filepending

Fee includes

CommonAreas

● Community amenities

gym

Spring Fitness Montgomery · 1.4mi
Phantom Cheer · 2.3mi
F45 Training West Lake Conroe · 2.4mi

park

· 1.5mi
· 1.7mi
· 2.0mi

gas_station

Chevron Food Mart · 1.6mi
Kroger · 2.4mi

grocery

Chevron Food Mart · 1.7mi
Kroger Marketplace · 2.2mi
Walmart Supercenter · 2.8mi

place_of_worship

Brownwood Church · 2.0mi
· 2.1mi
Mount Pleasant Church · 2.3mi

bank

Coinstar Kiosk · 2.2mi
Simmons Bank · 2.3mi
PNC Bank · 2.6mi

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

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 / 250 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

+ 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

2 comparable sales 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

Gemstone Estates

TIER: SUBDIVISION

Subdivision name (MLS)Gemstone Estates City · ZIPMontgomery · 77356 CountyMontgomery Listings in subdivision46 Active now1 Sold (last 12 mo)0 Curated amenities60

● Year-built distribution

No build-year dataWill populate from the parcel roll.

Fire Protection

§ 11

Nearest station

Montgomery Fire Department Station 55

· Montgomery

Distance

1.9 mi

Straight-line from listing

ISO rating

—

Future data point

Avg. response

—

From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48339694303 · ACS 2023

Median HH income

$130,389

ACS 2023

Median home value

$614,900

Census self-report

Owner-occupied

77%

1,449 housing units

Bachelor's+

41%

Adults 25+

Median age

39.4

Population 3,757

Work from home

40%

of commuters

Commute 45min+

8%

of commuters

Below poverty

8.8%

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

19930 Gemstone Drive, Montgomery, TX 77356

Montgomery County · 30.42°N, 95.67°W

gym

Spring Fitness Montgomery

1.4 mi · 1 within 2 mi

park

—

1.5 mi · 2 within 2 mi

gas_station

Chevron Food Mart

1.6 mi · 1 within 2 mi

grocery

Chevron Food Mart

1.7 mi · 1 within 2 mi

Interactive map coming in v0.2 — currently showing schematic placement.