How to Buy a Home with a Pool in Montgomery County, TX

Becca Ellis
Jun 3
3 min read

Buying a home with a pool in Montgomery County, Texas, is an attractive proposition for many buyers seeking both comfort and luxury. With warm summers and a thriving real estate market, homes with pools are in demand. Here’s a step-by-step guide to help you navigate the process, from budgeting to closing.

Why Choose a Home with a Pool in Montgomery County?

Montgomery County offers a desirable mix of suburban tranquility, proximity to Houston, and access to top-rated schools and amenities. Homes with pools are available at a range of price points, from affordable starter homes to luxurious estates. The median home price in the county is currently around $360,000, but homes with pools often command a premium due to the added value and lifestyle benefits2 1.

Steps to Buying a Home with a Pool

1. Set Your Budget

Determine Your Price Range: The median home sold price in Montgomery County is about $360,000, but homes with pools can range from $235,000 to well over $1 million depending on size, location, and amenities2 1.
Factor in Additional Costs: Remember to budget for potential pool maintenance, insurance, and higher property taxes. Pools are considered improvements and can increase your property’s assessed value and tax bill3.

2. Find the Right Real Estate Agent

Choose an Agent Experienced with Pools: A knowledgeable local agent can help you find homes with pools, negotiate offers, and advise on inspections and maintenance.
Use Online Listings: Platforms like Zillow allow you to filter for homes with pools in Montgomery County, providing a wide selection of available properties1 4.

3. Search for Homes with Pools

Browse Listings: There are typically hundreds of homes for sale with pools in Montgomery County. For example, as of spring 2025, there were 477 homes listed with pools across the county and 659 in the Montgomery area alone1 4.
Consider Location and Amenities: Look for homes in neighborhoods that match your lifestyle—whether you prefer lake access, family-friendly communities, or privacy.

4. Schedule Home and Pool Inspections

Home Inspection: Always get a professional home inspection to check for structural issues, electrical systems, and plumbing.
Pool Inspection: Hire a specialist to inspect the pool for leaks, equipment condition, and compliance with local safety codes.

5. Understand Property Taxes and Assessments

Expect Higher Assessments: Adding a pool or buying a home with a pool can increase your property’s assessed value, leading to higher property taxes3.
Apply for Exemptions: Montgomery County offers homestead, senior, and veteran exemptions that can help reduce your tax burden. Check with the county appraisal district to ensure you receive all applicable exemptions3.

6. Make an Offer and Negotiate

Research Comparable Sales: Look at recent sales of similar homes with pools to ensure your offer is competitive.
Negotiate Repairs or Upgrades: Use inspection findings to negotiate repairs or credits for necessary pool or home maintenance.

7. Secure Financing and Close

Finalize Your Mortgage: Work with your lender to secure financing. Some lenders may require additional inspections or insurance for homes with pools.
Review Closing Documents: Carefully review all closing documents, especially those related to property condition and any pool warranties or service contracts.

Tips for Managing Pool Ownership

Budget for Maintenance: Pools require regular cleaning, chemical balancing, and equipment upkeep.
Safety First: Ensure your pool meets local safety regulations, such as fencing and alarm requirements.
Insurance Considerations: Notify your insurance provider about the pool, as it may affect your policy and premiums.

Final Thoughts

Buying a home with a pool in Montgomery County, TX, can be a rewarding experience with the right preparation. By setting a realistic budget, working with experienced professionals, and understanding the responsibilities of pool ownership, you can enjoy your dream home and make the most of the Texas sunshine1 2 3.