11095 FM 438, Troy, TX 76579 Property Records

Bell County property record for 11095 FM 438, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 2018
Lot Size	1 acres (43,952 sqft)
Owner	2 Individual Names on Record
Tax Bill	$505 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0535180100`

Property Details

APN / Parcel Number

Primary APN	`0535180100`
Alternative APNs	`478960` `836079`

Interior

Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	43,952 sqft (1 acres)
Porch	Open Porch
Porch Area	1,504 sqft

Location & Zoning

Street Address	11095 FM 438
City	TROY
State	TX
Zip	76579-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0444BC M HUNT, ENHANCED LIFE ESTATE, ACRES 1.009
Legal Subdivision	M HUNT
Legal Block	1
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	1
Census Block	1028
Census Tract	20102

Owner

Source: Bell County records, as of March 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 Record
Mailing Address	11095 FM 438, TROY, TX 76579-3240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jul 26, 2018	Loan Modification, Mortgage GATEWAY MTG
Jan 29, 2018	Trustee's Deed, Construction Loan · Construction Mortgage GATEWAY MTG
Nov 15, 2017	Warranty Deed, Transfer MONTEITH ABSTRACT AND TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 23, 2025
Transfer Doc	0000006409
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	11095 FM 438, TROY, TX 76579-3240
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008691
Date	Feb 9, 2021
Instrument	2021008691

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	11095 FM 438, TROY, TX 76579-3240
Document Number	0000040881
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Oct 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11095 FM 438 TROY TX 765793240, TROY, TX 76579-3240

Mortgage

Document Number	0000040881
Date	Sep 27, 2018
Instrument	40881

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BELL TX
Recording Date	Jan 29, 2018
Property Address	11095 FM 438, TROY, TX 76579-3240
Instrument Date	Jan 24, 2018
Instrument	3453
Transaction Type	Construction Loan
Record Updated	Sep 24, 2018
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11095 FM 438 TROY TX 765793240, TROY, TX 76579-3240

Mortgage

Document Number	0000003453
Date	Jan 29, 2018
Instrument	3453

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037-3448

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	6%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Nov 15, 2017
Property Address	11095 FM 438, TROY, TX 76579-3240
Document Number	0000047964
Instrument Date	Nov 13, 2017
Instrument	47964
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11095 FM 438 TROY TX 765793240, TROY, TX 76579-3240

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$505.00 (-46.28%)	$198,875 (-31.63%)	$269,331 (-7.41%) Land $44,384 Building $224,947
2023	$940.00 (-46.35%) Homeowner's exemption Senior Citizen's exemption	$290,870 Land $40,349 Building $250,521	$290,870 Land $40,349 Building $250,521
2022	$1,752.00

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.02% 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	OENAVILLE & BELFALLS WSC serves 747 people · EPA ID TX0140020
Water Source	Purchased surface water from CENTRAL TEXAS WSC
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: SOS Communications, Verizon.

Nearby Properties on FM 438

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