Homes for Sale/Montgomery County/Montgomery/WATER OAK
Active MLS #94878460 · 27 days on market

28560 Oaks On The Water

Montgomery, TX 77356
Subdivision  ·  WATER OAK
List Price
$2.10M
$384/SF · 105.7% above neighborhood median
Beds
6
Baths
6
Sq Ft
5,464
Built
2008
Lot
10,742 sf
Garage
3-car
County
Montgomery

Schools

§ 03
District
Elementary STEWART CREEK EL A
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

Experience waterfront living w/impressive curb appeal, resort-style outdoor spaces,&wide-open water views.This Mediterranean-inspired residence welcomes you w/a sweeping stamped-concrete drive, tile roof, manicured landscaping,&arched entry w/double iron-7-glass doors.The backyard showcases its waterfront setting w/a sparkling pool & spa overlooking the water.Covered patios, balconies, & lounging areas create inviting spaces for entertaining/relaxing.A private dock w/covered boat slips provides convenient water access, while a putting green adds another recreational feature.Soaring architectural lines & an impressive wall of windows enhance the rear elevation & capture the waterfront backdrop.Mature landscaping complements the setting without taking away from the expansive views.From the grand approach to the pool, private dock, outdoor living areas,& picturesque water views, this distinctive property offers an exceptional combination of elegance, recreation, and waterfront lifestyle.

Features

§ 02

Interior

  • Breakfast Bar
  • Built In Bunk Beds
  • Bidet
  • Balcony
  • Crown Molding
  • Central Vacuum
  • Entrance Foyer
  • Elevator
  • En Suite Bathroom
  • Granite Counters
  • Handicap Access
  • High Ceilings
  • Instant Hot Water
  • Jetted Tub
  • Kitchen Island
  • Kitchen Family Room Combo
  • Bath In Primary Bedroom
  • Main Level Primary

Exterior & lot

  • Balcony
  • Covered Patio
  • Deck
  • Handicap Accessible
  • Sprinkler Irrigation
  • Outdoor Kitchen
  • Patio
  • Waterfront
  • Covered
  • Roof: Tile
  • Foundation: Slab
  • Attached
  • Garage
  • Gunite
  • Heated
  • Salt Water

Community

  • Security Gate
  • Security System Leased
  • Controlled Access
  • Smoke Detectors
  • Style: Mediterranean

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Mediterranean
Year Built 2008
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 5,464 sq ft
Living Area Source Appraiser
Building Area Total 5,464 sq ft
Foundation Slab
Construction Stucco
Roof Tile
Accessibility Wheelchair Access

Rooms & Baths

Bedrooms 6
Bedrooms Possible 4
Bathrooms (total) 6
Bathrooms Full 4
Bathrooms Half 2
Rooms Total 17
Fireplaces 1
Fireplace Features Gas Log

Interior

Interior Features Breakfast Bar, Built In Bunk Beds, Bidet, Balcony, Crown Molding, Central Vacuum, Entrance Foyer, Elevator, En Suite Bathroom, Granite Counters, Handicap Access, High Ceilings, Instant Hot Water, Jetted Tub, Kitchen Island, Kitchen Family Room Combo, Bath In Primary Bedroom, Main Level Primary, Pots And Pan Drawers, Pantry, Pot Filler
Flooring Carpet, Tile, Wood
Appliances Double Oven, Dishwasher, Disposal, Gas Range, Ice Maker, Microwave, Cooktop, Instant Hot Water, Refrigerator, Water Softener Owned, Tankless Water Heater
Laundry Washer Hookup, Gas Dryer Hookup
Windows Low Emissivity Windows, Window Coverings
Security Security Gate, Security System Leased, Controlled Access, Smoke Detectors
Indoor Air Quality Ventilation

Exterior

Exterior Features Balcony, Covered Patio, Deck, Handicap Accessible, Sprinkler Irrigation, Outdoor Kitchen, Patio
Patio / Porch Balcony, Covered, Deck, Patio
Pool Private Yes
Pool Features Gunite, Heated, Salt Water
Waterfront Yes
Waterfront Features Boat Dock Slip, Bulkhead, Boat Ramp Lift Access, Lake, Lake Front, Waterfront

Parking & Garage

Garage Spaces 3
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (sq ft) 10,742
Lot Size Source Appraiser
Lot Features Waterfront

Location

County Montgomery
MLS Area Major 39
MLS Area Minor Lake Conroe Area
Subdivision WATER OAK
Road Surface Concrete
Postal Code 77356

Utilities

Heating Central, Gas
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer
Electric Generator
Energy Efficient Radiant Attic Barrier, Doors, Hvac, Insulation, Thermostat, Water Heater, Windows

Taxes, Terms & Disclosures

Parcel # 9471-00-06700
Legal Description WATER OAK 01, BLOCK 4, LOT 4
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Municipal Utility District Disclosure, Seller Disclosure

Room Layout

§ 04 · 17 rooms · MLS-supplied

Main level · 10

Room 13x10
Kitchen 17x14
Dining Room 14x13
Family Room 27x19
Pantry 9x6
Room 13x8
Office 13x10
Primary Bedroom 21x14
Primary Bathroom 20x10
Room 15x15

Second level · 7

Bedroom 12x12
Bonus Room 14x26
Bedroom 13x14
Bedroom 17x12
Bedroom 17x10
Game Room 25x14
Bedroom 17x15

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice on file
TOTAL TAX RATE · PER $100 ASSESSED · 1999
JurisdictionMontgomery County Utility District 4 CountyMontgomery TCEQ District ID5859510 Bonded indebtedness Current year rate FetchedApr 27, 2026
● Verdict unknown
● 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 0.1500 Resolved MUD jurisdiction Montgomery County Utility District 4 Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$16,272
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$12,610 Property tax$3,662 Homeowners insuranceTBD
Subtotal (P&I + Tax) $16,272

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
2.0927%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
1.09%
→ stable
City
0.43%
→ stable
County
0.38%
→ stable
Other districts
0.20%
→ stable

HOA & Community

§ 05
● HOA details
ANNUAL
Association name Management co. Website Phone Cert on filepending
● Community amenities
coffee
Starbucks · 0.7mi
restaurant
Conroe Lake House · 0.7mi
Crust Pizza Company · 0.8mi
Akashi · 0.8mi
gas_station
Shell · 0.7mi
Valero · 0.8mi
Exxon · 0.9mi
pharmacy
CVS Pharmacy · 0.8mi
CVS Pharmacy · 0.9mi
Walgreens · 4.1mi
urgent_care
NextCare Urgent Care, Montgomery · 0.9mi
Memerial Hermann CoHealth Urgent Care · 19.2mi
CareNow Urgent Care - Montgomery · 5.4mi
bank
Navy Federal Credit Union ATM · 0.9mi
Bank of America ATM · 0.9mi
ATM · 1.5mi

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
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
Fiber to the Premises
Xfinity
1,000 / 1,000 Mbps
● LOW LATENCY
Coaxial Cable
Optimum
940 / 35 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
A
FEMA Zone
Zone A · Special Flood Hazard Area
1% annual chance of flooding (100-year floodplain). Flood insurance typically required.
PANEL 48339C SFHA YES 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
6 comparable sales nearby · sold median $187/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
WATER OAK
TIER: SUBDIVISION
Subdivision name (MLS)WATER OAK City · ZIPMontgomery · 77356 CountyMontgomery Listings in subdivision414 Active now1 Sold (last 12 mo)0 Curated amenities60
● Year-built distribution
2005s 1

Fire Protection

§ 11
Nearest station
Lake Conroe Fire Department Station 31
· Conroe
Distance
0.9 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48339694307 · ACS 2023
Median HH income
$97,250
ACS 2023
Median home value
$364,000
Census self-report
Owner-occupied
89%
909 housing units
Bachelor's+
40%
Adults 25+
Median age
42.9
Population 2,289
Work from home
10%
of commuters
Commute 45min+
9%
of commuters
Below poverty
13.6%
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
28560 Oaks On The Water, Montgomery, TX 77356
Montgomery County · 30.37°N, 95.59°W
coffee
Starbucks
0.7 mi · 1 within 2 mi
restaurant
Conroe Lake House
0.7 mi · 5 within 2 mi
gas_station
Shell
0.7 mi · 3 within 2 mi
pharmacy
CVS Pharmacy
0.8 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 27, 2026 Listed $2.10M Gaye Watkins
Dec 31, 2007 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Gaye Watkins · RE/MAX Integrity
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 4, 2026.
MLS# 94878460 · LIST DATE: Aug 27, 2026 · PARCEL: 9471-00-06700
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