15995 Kari Ln, Troy, TX 76579 Property Records

Bell County property record for 15995 Kari Ln, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,437 sqft · built 1983
Lot Size	0.748 acres (32,605 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0405280010`

Property Details

APN / Parcel Number

Primary APN	`0405280010`
Alternative APNs	`104311` `645296`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,437 sqft Living Area
1st Floor Area	1,437 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1983
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	32,605 sqft (0.748 acres)
Lot Dimensions	238 ft deep x 137 ft wide
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	645296
Street Address	15995 KARI LN
City	TROY
State	TX
Zip	76579-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OSCAR'S ACRES, BLOCK 001, LOT PT 4, (S 137.4' OF 4) (S 137.4' OF 4)
Legal Subdivision	OSCAR'S ACRES
Legal Block	1
Legal Lot Number	4
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2008
Census Tract	20101

Owner

15995 Kari Ln is owned and occupied by an individual who acquired it in July 2008.

Source: Bell County records, as of November 9, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15995 KARI LN, TROY, TX 76579-3522
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2008
Deed Sale	Jul 16, 2008
Deed Document Number	00029521
Record Updated	Jun 7, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	15995 KARI LN, TROY, TX 76579-3522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034567
Date	Jul 13, 2020
Instrument	2020-00034567

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

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	Troy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$238,562 Land $24,781 Building $213,781	$238,562 Land $24,781 Building $213,781

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

Flood

FEMA maps place 15995 Kari Ln in Zone X, an area of minimal flood risk.

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	3 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 15995 Kari Ln is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 70% of Texas
Wildfire Likelihood	0.09% 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	ELM CREEK WSC serves 4,520 people · EPA ID TX1550026
Water Source	Purchased surface water from BLUEBONNET WSC
Last State Inspection	Jul 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20