Homes for Sale/Montgomery County/Cleveland/Peach Creek Plantation 02
Active MLS #42165785 · 128 days on market

4578 Duck Creek Road

Cleveland, TX 77328
Subdivision  ·  Peach Creek Plantation 02
List Price
$109,000
Baths
0
Lot
3.00 ac
County
Montgomery
Tax Rate
1.02%

Schools

§ 03
District
Elementary AUSTIN EL D
Middle MOORHEAD J H D
High CANEY CREEK H S CCMR 83% · 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

Build your dream home on this stunning 3-acre homesite located in the highly sought-after Peach Creek Plantation community. Nestled among mature trees with plenty of room to spread out, this property offers the perfect blend of peaceful country living and modern convenience. Horses are allowed, and no two homes are alike, creating a unique custom-home atmosphere throughout the neighborhood. Residents enjoy access to stocked ponds, parks, and pavilions, all while benefiting from low HOA fees and a low tax rate. Conveniently located just minutes from schools, shopping, dining, and major commuter routes, this property is ideal for custom builders, investors, or anyone looking for space, privacy, and flexibility to create their dream lifestyle in growing Cleveland, Texas.

Features

§ 02

Interior

Not provided

Exterior & lot

  • Open Lot
  • Subdivision

Community

Not provided

Property Details

§ 03 · Full MLS record

Property

Property Type Land

Rooms & Baths

Bathrooms (total) 0

Lot

Lot Size (acres) 3.0000
Lot Size Source Appraiser
Lot Features Open Lot, Subdivision

Location

County Montgomery
MLS Area Major 19
MLS Area Minor Conroe Northeast
Subdivision Peach Creek Plantation 02
Postal Code 77328

Utilities

Water Source None

HOA / Association

HOA Yes
HOA Fee $220
HOA Fee Frequency Annually
HOA Name Peach Creek Plantation

Taxes, Terms & Disclosures

Tax Annual Amount $1,113 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 1.02%
Parcel # 394408
Legal Description S782902 - PEACH CREEK PLANTATION 02, BLOCK 1, LOT 24, ACRES
Listing Terms Cash, Conventional, FHA, Texas Vet, Usda Loan, Va Loan
Disclosures None

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
$748
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$655 Property tax$93 Homeowners insuranceTBD
Subtotal (P&I + Tax) $748
Yearly HOA fee $220

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
1.5799%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
—
→ stable
School
—
→ stable
City
—
→ stable
County
0.38%
→ stable
Other districts
1.20%
→ stable

HOA & Community

§ 05
● HOA details
$220
ANNUALLY
Association namePeach Creek Plantation Management co.— Website— Phone— Cert on filepending
● Community amenities
park
Grant Lake Park · 0.1mi
· 6.0mi
· 6.0mi
daycare
Lovebugibles · 2.1mi
All Day Child Care · 6.2mi
place_of_worship
Security First Baptist Church · 2.2mi
Security Calvery Baptist Church · 3.1mi
Calvary Church · 3.2mi
grocery
· 3.3mi
Dollar General Market · 5.4mi
· 3.8mi
bank
Texaco Fuel & Kountry Mart · 3.3mi
Kountry Mart · 3.3mi
ATM (ATM Link, Inc.) · 3.3mi
gas_station
Midway Shell · 6.3mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
2,000 Mbps
Fiber available · cable ok
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
Licensed Fixed Wireless
Verizon
300 / 20 Mbps
● LOW LATENCY
NGSO Satellite
Starlink
280 / 30 Mbps
● LOW LATENCY
GSO Satellite
Viasat Inc
100 / 3 Mbps
Licensed Fixed Wireless
AT&T
100 / 20 Mbps
● LOW LATENCY
GSO Satellite
HughesNet
100 / 5 Mbps
+ 2 additional provider(s)

Environmental Risk

§ 08
A
FEMA Zone
Zone AE · 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
No comps within 0.5 mi in the last 90 daysExpand the search radius via the "Full report" CTA.

Subdivision & Master Plan

§ 10
● Master plan
Peach Creek Plantation 02
TIER: SUBDIVISION
Subdivision name (MLS)Peach Creek Plantation 02 City · ZIPCleveland · 77328 CountyMontgomery Listings in subdivision166 Active now7 Sold (last 12 mo)5 Curated amenities45
● Year-built distribution
2010s 1 2025s 1

Fire Protection

§ 11
Nearest station
North Montgomery County Fire Department Station 98
· Cleveland
Distance
3.8 mi
Straight-line from listing
ISO rating
—
Future data point
Avg. response
—
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48339694002 · ACS 2023
Median HH income
$71,893
ACS 2023
Median home value
$182,000
Census self-report
Owner-occupied
80%
3,044 housing units
Bachelor's+
11%
Adults 25+
Median age
33.4
Population 9,698
Work from home
6%
of commuters
Commute 45min+
38%
of commuters
Below poverty
21.0%
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
4578 N Duck Creek Road, Cleveland, TX 77328
Montgomery County · 30.37°N, 95.23°W
park
Grant Lake Park
0.1 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
May 18, 2026 Listed $109,000 Mandy Jo Aguilar
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Mandy Jo Aguilar · Real Broker, LLC
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 May 23, 2026.
MLS# 42165785 · LIST DATE: May 18, 2026 · PARCEL: 394408
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