10228 Duchman Ln, Temple, TX 76502 Property Records

Bell County property record for 10228 Duchman Ln, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	1,680 sqft · built 2020
Lot Size	0.178 acres (7,797 sqft)
Owner	Individual Name on Record
Tax Bill	$4,164 (2023)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0922219815`

Property Details

APN / Parcel Number

Primary APN	`0922219815`
Alternative APNs	`483378` `206909`

Interior

Stories	1 Story
Building Area	1,680 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.178 acres)
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	206909
Street Address	10228 DUCHMAN LN
City	TEMPLE
State	TX
Zip	76502-5898
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE GROVES AT LAKEWOOD RANCH PHASE IV, BLOCK 003, LOT 0011, (SECTION I), ACRES .179 (SECTION I)
Legal Subdivision	THE GROVES AT LAKEWOOD RANCH PHASE IV
Legal Block	3
Legal Lot Number	11
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	3
Census Block	3001
Census Tract	20201

Owner

Source: Bell County records, as of April 1, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10228 DUCHMAN LN, TEMPLE, TX 76502-5898
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 7, 2020	Vendor's Lien, Transfer · ARM EXTRACO BANKS NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2020
Deed Sale	Aug 7, 2020
Deed Document Number	2020-00040659
Record Updated	Jun 7, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	10228 DUCHMAN LN, TEMPLE, TX 76502-5898
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	PRIORITY SETTLEMENT GROUP/TX LLC, PRIORITY SETTLEENT GROUP OF

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10228 DUCHMAN LN, TEMPLE, TX 76502-5898

Mortgage

Document Number	0000009562
Date	Mar 2, 2026
Instrument	2026009562

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Aug 7, 2020
Property Address	10228 DUCHMAN LN, TEMPLE, TX 76502-5898
Document Number	0000040659
Map Reference	DOC 2018 PL 94
Instrument Date	Aug 6, 2020
Instrument	2020-00040659
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	CENTRALAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7353 W ADAMS AVE, 7353, TEMPLE, TX 76502-5539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10228 DUCHMAN LN, TEMPLE, TX 76502-5898

Mortgage

Document Number	0000040660
Date	Aug 7, 2020
Instrument	2020-00040660

Lender

Name	EXTRACO BANKS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Temple City
Unified School District	Belton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,164.00 (-13.97%) Homeowner's exemption	$343,524 Land $29,240 Building $314,284	$343,524 Land $29,240 Building $314,284
2022	$4,840.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 52% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF TEMPLE serves 94,935 people · EPA ID TX0140005
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2019 Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 549 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Altitude ISP, AT&T.

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