1109 S 45th St, Temple, TX 76504 Property Records

Bell County property record for 1109 S 45th St, Temple, TX 76504

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1940
Lot Size	0.17 acres (7,420 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,957 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`0123580000`

Property Details

APN / Parcel Number

Primary APN	`0123580000`
Alternative APNs	`605414` `43831`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1969
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,420 sqft (0.17 acres)
Lot Dimensions	140 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Canopy	120 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1109 S 45TH ST
City	TEMPLE
State	TX
Zip	76504-6509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2F
Legal Description	TEMPLE HEIGHTS, BLOCK 007, LOT PT 3, 4, (S 40 OF 3 & N 13 OF 4)
Legal Subdivision	TEMPLE HEIGHTS
Legal Block	7
Legal Lot Number	3,4
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1030
Census Tract	21102

Owner

Source: Bell County assessment roll, as of February 9, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1109 S 45TH ST, TEMPLE, TX 76504-6509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY FCU
Dec 12, 2019	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	1109 S 45TH ST, TEMPLE, TX 76504-6509
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030848
Date	Jul 12, 2023
Instrument	2023030848

Lender

Name	UNIVERSITY FCU
Type	Credit Union
Address	AUSTIN, TX 78759

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2033

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	1109 S 45TH ST, TEMPLE, TX 76504-6509
Document Number	0000002906
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 S 45TH ST TEMPLE TX 765046509, TEMPLE, TX 76504-6509

Mortgage

Document Number	0000002906
Date	Jan 21, 2020
Book Page	011159/000531
Instrument	2906

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: Bell County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,957.00 (-1.95%)	$126,322 (-4.55%)	$139,611 (+5.49%) Land $25,228 Building $114,383
2023	$1,996.00 (+5.72%) Homeowner's exemption	$132,339 Land $25,228 Building $107,111	$132,339 Land $25,228 Building $107,111
2022	$1,888.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 647 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Radiate Holdings Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group.

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