11020 Oak Tree Dr, Salado, TX 76571 Property Records

Bell County property record for 11020 Oak Tree Dr, Salado, TX 76571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 1996
Lot Size	0.71 acres (30,936 sqft)
Owner	Individual Name on File
Tax Bill	$5,608 (2023)
Deeds & Mortgages	Aug 2021 Sale Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0406080145`

Property Details

APN / Parcel Number

Primary APN	`0406080145`
Alternative APNs	`856438` `50423`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,417 sqft Living Area
1st Floor Area	1,417 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	30,936 sqft (0.71 acres)
Lot Dimensions	269 ft deep x 115 ft wide
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	238 sqft
Deck Area	195 sqft
Storage Building	120 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	856438
Street Address	11020 OAK TREE DR
City	SALADO
State	TX
Zip	76571-5077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SALADO SPRINGS ESTATES SECTION 1, LOT 0027
Legal Subdivision	SALADO SPRINGS ESTATES SECTION 1
Legal Tract	27
Legal Block	1
Legal Lot Number	27
Jurisdiction	BELL TX
Township / Civil Division	SOUTH BELL
Census Block Group	3
Census Block	3006
Census Tract	23404

Owner

11020 Oak Tree Dr is owned by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11020 OAK TREE DR, SALADO, TX 76571-5077
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Warranty Deed, Transfer MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO S
Jul 2, 2018	Vendor's Lien, Transfer · ARM CENTRAL NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021
Deed Sale	Aug 10, 2021
Prior Sale	Jul 2, 2018
Deed Document Number	2021051638
Record Updated	Jun 7, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Aug 10, 2021
Property Address	11020 OAK TREE DR, SALADO, TX 76571-5077
Document Number	0000051638
Map Reference	CAB A SL 293-B
Instrument Date	Aug 10, 2021
Instrument	2021051638
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO S

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11156 IRENE LN, SALADO, TX 76571-5012

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jul 2, 2018
Property Address	11020 OAK TREE DR, SALADO, TX 76571-5077
Document Number	0000027414
Map Reference	CAB A SL293-B
Instrument Date	Jun 27, 2018
Instrument	2018-00027414
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST COMMUNITY ABS & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 VAN BIBBER RD, 276, SALADO, TX 76571-5617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11020 OAK TREE DR, SALADO, TX 76571-5077

Mortgage

Document Number	0000027415
Date	Jul 2, 2018
Instrument	2018-00027415

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Sep 20, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Unified School District	Salado Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,608.00 (-5.41%)	$356,308 Land $66,541 Building $289,767	$356,308 Land $66,541 Building $289,767
2022	$5,929.00

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

Flood

FEMA maps place 11020 Oak Tree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 11020 Oak Tree Dr is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 42% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SALADO WSC serves 11,460 people · EPA ID TX0140035
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BEC Communications Fiber	2,000 / 1,000
SOS Communications Fixed Wireless	100 / 20

May also be available: Astound Broadband, Nextlink, Western Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Tree Dr

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