Search, Pay or Fix a Montgomery County Tax Record
Use the right Montgomery County system for the job: the Tax Office for county-collected bills and payments, MCAD for appraisal records and exemptions, and the County Clerk for deeds or recorded liens.
This guide explains what to search, what to verify and what to do next before you enter payment information or rely on a property record.
Tammy J. McRae
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Next Tax Deadline?
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Property Tax Penalty & Interest Calculator
State-specific penalty rates • Interest accrual • Tax lien deadline • Cost-of-waiting breakdown
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| Initial Penalty— | $0.00 |
| Monthly Interest— | $0.00 |
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| Total Due | $0.00 |
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Tax Lien Warning
| If You Pay On | Days Late | Penalty | Interest | Total Owed | Extra Cost |
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400 N. San Jacinto St., Conroe
Mon–Fri, 8:00 a.m.–4:30 p.m.
Which Montgomery County office controls your problem?
Balances, statements, payments, receipts, delinquency, payment plans and tax certificates for accounts it collects.
Property search, ownership on the appraisal roll, market/appraised value, exemptions, agricultural appraisal, renditions and protests.
Recorded deeds, deeds of trust, releases, liens, plats and other real-property documents.
How to search and pay a Montgomery County TX tax bill
How to read the Montgomery County Tax Office result
| Field | What it tells you | What to do with it |
|---|---|---|
| Account Number | Tax Office account identifier. | Save it for payments, receipts and phone calls. |
| CAD Reference | Link to the appraisal-side property record. | Use it to reconcile the Tax Office account with MCAD. |
| Current / Prior / Total Due | Balances by current and older tax years. | For delinquent accounts, use the live payoff rather than an old statement. |
| Last Payment | Last recorded current-year payment amount, payer and date. | Useful for escrow and duplicate-payment checks. |
| Active Lawsuits | Whether the account page shows an active tax suit reference. | Call before relying on a routine online payoff when litigation is shown. |
| Pending Payment | Pending credit-card/eCheck status. | Do not submit another payment while a transaction is still pending. |
| Values / Exemptions | Tax portal copy of appraisal information. | Use MCAD for changes, protests or exemption questions. |
| Future-date estimate | A tool to estimate amount due on another date. | Useful for delinquent planning; confirm the actual payoff before sending money. |
Montgomery County online tax-payment fees and confirmation checks
The Tax Office now publishes the processor fees directly. For a large property-tax bill, checking the payment method before checkout can save a meaningful amount.
| Method | Published fee | Best use | Before submitting |
|---|---|---|---|
| eCheck | $0.00 | Lowest-cost listed online route. | Confirm routing/account details and available funds. |
| Debit card | 1.00% of amount; $1 minimum | Card convenience when debit is preferred. | Compare the fee against eCheck before approving. |
| Credit card | 2.05% of amount; $1 minimum | Credit-card convenience. | Percentage fee can be substantial on a large bill. |
No Montgomery County tax account found? Try this order
Mortgage escrow, missing statements and partial-payment problems
These problems often look like Tax Office errors but require different next steps. The county FAQ gives specific instructions for mortgage-paid accounts, new buyers and taxpayers who cannot pay the full bill at once.
Your mortgage company is supposed to pay
You bought the home and the old owner is still shown
MCAD controls general ownership/name/address corrections on the appraisal record. A Tax Office payment does not update title or appraisal ownership.
A seller credit at closing does not necessarily mean the tax bill was paid to the Tax Office. Check the closing disclosure and ask the title company who was responsible for the actual tax payment.
You cannot pay the full amount
The Tax Office accepts partial payments. It says partial amounts are applied pro-rata to tax, penalty, interest and collection penalty when applicable. A balance left after the timely deadline can continue to accrue penalty and interest.
A zero County Tax Office balance may not cover every MUD or special district
Montgomery County has many MUDs, utility districts, ESDs, cities, school districts and other taxing units. The county portal searches accounts collected by the Montgomery County Tax Office; some local units can use another collector.
How to use the Montgomery Central Appraisal District property search
MCAD is the correct source for the Montgomery County tax appraisal record: property ID, Geographic ID, Tax Office ID, owner, legal description, market/appraised value, exemptions, taxing units, land, improvements, deed-history references and protest information.
- Owner and mailing information on the appraisal roll
- Property ID / Geographic ID / Tax Office ID
- Market and appraised values
- Homestead or veteran exemption status
- Land and improvement details
- Taxing-unit list
- Protest/hearing information
- Confirming whether a tax payment posted
- Requesting a delinquent payoff from the collector
- Proving every separate MUD account is paid
- Replacing a recorded deed/title examination
- Treating the parcel map as a legal survey or flood determination
Conroe, TX 77301
Mail: PO Box 2233, Conroe, TX 77305
Phone: 936-756-3354
Additional: 936-441-2186
Email: inquiries@mcad-tx.org
Hours: Mon–Fri, 8:00 a.m.–5:00 p.m.
Which Montgomery County tax record do you actually need?
| Need | Correct source | Why |
|---|---|---|
| Current balance / receipt | Tax Office | Collector records payments and balances. |
| Appraised value | MCAD | Appraisal district determines value. |
| Homestead exemption | MCAD | Exemption applications and appraisal-roll changes are handled there. |
| Taxing units | MCAD + collector statements | Use both to detect separate MUD/special-district collectors. |
| Deed / lien / release | County Clerk | These are recorded real-property documents, not tax-appraisal records. |
| Protest status | MCAD / ARB | The Tax Office cannot lower an appraised value. |
| Tax foreclosure status | Tax Office + court/constable records | Delinquent collection and sale status can be time-sensitive. |
Montgomery County TX Tax Office branches and hours
The county lists the Conroe main office plus five branches. Published hours for these locations are Monday through Friday, 8:00 a.m.–4:30 p.m., except county holidays.
| Office | Address | Phone | Visit note |
|---|---|---|---|
| Conroe main | 400 N. San Jacinto St., Conroe, TX 77301 | 936-539-7897 | Main Tax Office and Tax Collections line. |
| Magnolia | 19100 Unity Park Dr., Magnolia, TX 77355 | 281-259-9805 | David Hill Criminal Justice Building. |
| Montgomery | 19380 Hwy. 105 W., Suite 507, Montgomery, TX 77356 | 936-788-8378 | Montgomery County West Annex. |
| New Caney | 21130 Legion Rd., Ste. 200, New Caney, TX 77357 | 281-577-8981 | East Montgomery County Annex. |
| The Woodlands | 1520 Lake Front Cir., Ste. 400, The Woodlands, TX 77380 | 281-292-3325 | Ed Chance Courthouse Annex. |
| Willis | 804 W. Montgomery St., Ste. B, Willis, TX 77378 | 936-538-5950 | Confirm service/holiday status before driving. |
Which current-account payment plan fits your situation?
The county payment-plan PDF is explicitly for current accounts only. Use the account status first; a delinquent or litigated account may need a different arrangement.
| Plan | Who can use it | Published schedule | Key condition |
|---|---|---|---|
| One-time | All taxpayers, business owners and business personal-property accounts | One payment by January 31 | Penalty and interest begin February 1 if unpaid and no other applicable rule postpones delinquency. |
| Quarter payment | Qualified residential owners with a Homestead exemption plus age 65+, Disabled Person or Disabled Veteran exemption | Jan. 31, Mar. 31, May 31, July 31 | At least one-fourth of the total bill must be paid by Jan. 31 to enroll for that tax year. |
| Pre-payment | Taxpayers and business owners without mortgage escrow; current accounts | Monthly installments through Sept. 15; number varies by start date | Taxes must be current; an October statement shows any remaining balance. |
October statement, January 31 postmark and penalty timeline
The county FAQ says tax notices are usually mailed in October and taxes are due when the statement is received. January 31 is normally the final date to avoid delinquency; mailed payments are posted according to the postmark.
How the county describes penalty and interest
| Point in delinquency | Penalty | Interest | What to do |
|---|---|---|---|
| First delinquency month | 6% | 1% | Use the live account rather than a generic calculator. |
| Each following month before July | Penalty increases 1 percentage point per month | Adds 1% per month | Ask for a payoff through the planned payment date. |
| July 1 | Final 2% increase brings statutory penalty to 12% | Continues at 1% per month | Check for collection/legal charges or active lawsuits on the account. |
Residence homestead exemption: prepare the MCAD application correctly
The Montgomery County Tax Office does not decide exemption eligibility. File the current Form 50-114 and supporting documents with MCAD. The form itself says not to file it with the Texas Comptroller.
What Form 50-114 asks you to identify
Identification and supporting-document check
The form instructs owners to attach a copy of each property owner’s Texas driver license or state-issued personal ID. The ID address generally must correspond to the residence-homestead address, subject to listed exceptions/waivers.
Heir-property and manufactured-home applicants may need additional ownership evidence, affidavits, death certificate/utility documentation or manufactured-home ownership records described on the form.
Filing and late-application windows shown on the current form
| Situation | Form guidance | Practical step |
|---|---|---|
| General filing | Generally Jan. 1 through Apr. 30; completed application is generally due no later than Apr. 30. | File with MCAD and retain proof of submission. |
| Late residence homestead, including age 65+ or disabled | May be filed up to two years after the ordinary deadline under the form’s cited rule. | Ask MCAD which tax year(s) are still eligible. |
| Certain disabled-veteran late applications | The current form describes up to five years after the delinquency date for specified disabled-veteran claims; surviving-spouse rules differ. | Use the exact exemption category and MCAD guidance rather than assuming the longer window applies. |
| Already granted | The form says annual reapplication is generally not required unless the chief appraiser asks, except when seeking another property/exemption. | Still review the appraisal record and tax statement for the exemption. |
Over-65, disability and veteran residence-homestead tax deferral
The Tax Office says qualifying Texans age 65 or older, disabled persons and disabled veterans may be able to postpone current and/or delinquent taxes on an owned and occupied residence homestead by filing a deferral affidavit with MCAD.
- Postpones payment; it does not erase the tax.
- The county says deferred taxes accumulate 5% interest per year (0.4167% per month).
- Already-due penalties, interest or attorney fees are not cancelled by filing the deferral.
- When the homeowner or qualifying surviving spouse no longer owns and occupies the home.
- The county warns that if the debt remains unpaid 180 days after the residency/ownership change, full penalties and interest may be imposed and collection action may follow.
- A surviving spouse may have continuation rights when the county’s stated age/occupancy conditions are met.
Mortgage and reverse-mortgage warning
The county advises checking the mortgage agreement before filing. A mortgage company may choose to pay taxes while it holds a lien, and the Tax Office warns that a reverse-mortgage transaction may require current and past-due taxes to be paid in full.
2026 estimated taxes and Truth-in-Taxation notifications
Montgomery County’s official Tax Office page currently points taxpayers to the 2026 local property-tax database for estimated taxes while taxing units propose and adopt rates during August and September.
Before you submit any Montgomery County tax payment
Montgomery County official tax and appraisal resources
These links are placed here after the task explanations so you can choose the correct official system instead of opening every government page.
Montgomery County TX Tax Collector FAQs
How do I pay Montgomery County TX property taxes online?
Use the official Montgomery County Tax Office ACT portal. Search by owner name, property address, account number, CAD reference number or fiduciary number, verify the property, tax year, current/prior balances, pending-payment status and amount, then choose the payment method and save the receipt.
What are the current Montgomery County online property-tax payment fees?
The Tax Office currently lists eCheck at $0.00, debit card at 1.00% with a $1 minimum, and credit card at 2.05% with a $1 minimum. Vendor convenience fees are non-refundable; verify the live checkout total before submitting.
What is the Montgomery County TX Tax Collector phone number, email and office hours?
For property-tax help, call 936-539-7897 or email tax@mctx.org. The main office is at 400 N. San Jacinto St., Conroe, TX 77301. Published hours are Monday-Friday, 8:00 a.m.-4:30 p.m., except county holidays.
How do I search Montgomery County TX appraisal records?
Use the MCAD property search for property ID, Geographic ID, Tax Office ID, owner, legal description, market/appraised value, exemptions, land, improvements, taxing units and protest information. Use the Tax Office portal for bill balances and payments.
What is the difference between the Montgomery County Tax Office and MCAD?
MCAD determines appraisal values, exemptions and appraisal records. The Tax Assessor-Collector collects taxes for accounts assigned to the Tax Office and records payments. The County Clerk maintains deeds, liens and other recorded real-property documents.
Does a zero Montgomery County Tax Office balance mean every local tax is paid?
Not necessarily. The official portal covers accounts collected by the Montgomery County Tax Office. Some MUD, utility or special-district taxes may use another collector, so compare MCAD taxing units with the jurisdictions on the county statement and any separate district bills.
When are Montgomery County TX property taxes due, and can I make a partial payment?
Tax notices are usually mailed in October and are due on receipt. January 31 is normally the final timely date, with delinquency beginning February 1. The Tax Office accepts partial payments, but an unpaid balance after January 31 generally accrues penalty and interest.
Does Montgomery County offer property-tax payment plans?
For current accounts, the Tax Office publishes one-time, pre-payment and qualifying quarter-payment routes. The quarter plan requires a residence homestead plus an age-65-or-older, disabled-person or disabled-veteran exemption and at least one-fourth paid by January 31, followed by March 31, May 31 and July 31 installments.
Where do I file a Montgomery County residence homestead exemption?
File Form 50-114 and supporting documents with Montgomery Central Appraisal District, not the Tax Office or Texas Comptroller. The form generally has an April 30 deadline, with specific late-filing rules for some residence-homestead, age-65, disabled and disabled-veteran applicants.
What does a Montgomery County residence-homestead tax deferral do?
A qualifying age-65-or-older, disabled person or disabled veteran may be able to postpone current or delinquent residence-homestead taxes by filing a deferral affidavit with MCAD. A deferral postpones rather than cancels taxes; the county says deferred amounts accumulate 5% interest per year and existing penalties, interest or attorney fees are not erased.