1314 S 45th St, Temple, TX 76504 Property Records

Bell County property record for 1314 S 45th St, Temple, TX 76504

Property Summary

Property Type	Single Family Home
Details	1,260 sqft · built 2020
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$240,597 (Nov 2022)
Tax Bill	$4,467 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0126720000`

Property Details

APN / Parcel Number

Primary APN	`0126720000`
Alternative APNs	`871402` `51553`

Interior

Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Material	Gravel
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1314 S 45TH ST
City	TEMPLE
State	TX
Zip	76504-6577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2F
Legal Description	TEMPLE HEIGHTS, BLOCK 036, LOT 0016
Legal Subdivision	TEMPLE HEIGHTS
Legal Block	36
Legal Lot Number	16
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	2
Census Block	2001
Census Tract	21102

Owner

Source: Bell County records, as of July 22, 2026

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	209 LUTHER DR, 801, GEORGETOWN, TX 78628-8910
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Vendor's Lien, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 19, 2020	Deed of Trust, Mortgage CENTRAL NATIONAL BANK
Dec 19, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Feb 11, 2020	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Feb 11, 2020
Deed Document Number	202269962
Record Updated	Oct 29, 2026

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Nov 21, 2022
Property Address	1314 S 45TH ST, TEMPLE, TX 76504-6577
Document Number	0000069962
Map Reference	VOL 195 PG 634
Instrument Date	Nov 18, 2022
Instrument	2022069962
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO T

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1656 W FM 93 HWY, 1656, TEMPLE, TX 76502-8708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 LUTHER DR APT 801, 801, GEORGETOWN, TX 78628-8910

Mortgage

Document Number	0000069963
Date	Nov 21, 2022
Instrument	2022069963

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	1314 S 45TH ST, TEMPLE, TX 76504-6577
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	CENTRALAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013773
Date	Mar 19, 2020
Instrument	2020-00013773

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	TEMPLE, TX 76502

Agreement

Amount	Amount Recorded
Term	9 Months
Due	Dec 19, 2020

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	1314 S 45TH ST, TEMPLE, TX 76504-6577
Document Number	0000004637
Instrument Date	Dec 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 BROOKLAWN DR TEMPLE TX 765021206, TEMPLE, TX 76502-1206

Mortgage

Document Number	0000004637
Date	Jan 25, 2021
Instrument	4637

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	TEMPLE, TX 76502

Agreement

Term	12 Months
Due	Jan 24, 2022

February 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Feb 11, 2020
Property Address	1314 S 45TH ST, TEMPLE, TX 76504-6577
Document Number	0000006906
Instrument Date	Feb 11, 2020
Instrument	6906
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 BROOKLAWN DR TEMPLE TX 765021206, TEMPLE, TX 76502-1206

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	$4,467.00 (-14.2%)	$191,749 (-15.56%) Land $1,208 Building $190,541	$191,749 (-15.56%) Land $1,208 Building $190,541
2023	$5,206.00 (+38.2%)	$227,090 Land $1,208 Building $225,882	$227,090 Land $1,208 Building $225,882
2022	$3,767.00

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	1 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	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

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 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
Astound Broadband 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 Fixed Wireless	100 / 20

May also be available: Nextlink.

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