1705 Spence St, Temple, TX 76502 Property Records

Bell County property record for 1705 Spence St, Temple, TX 76502

Property Summary

Property Type	Under Construction
Details	1,859 sqft · built 2022
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Tax Bill	$7,092 (2023)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0829774739`

Property Details

APN / Parcel Number

Primary APN	`0829774739`
Alternative APNs	`492510` `782895`

Interior

Stories	1 Story
Building Area	1,859 sqft Gross Area

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	6,055 sqft (0.139 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Canopy	73 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	782895
Street Address	1705 SPENCE ST
City	TEMPLE
State	TX
Zip	76502-7435
Property Category	Other
Property Type	Other > Under Construction
Legal Description	NORTH GATE PHASE IV, BLOCK 004, LOT 0016, (SECTION 1), ACRES 0.139 (SECTION 1)
Legal Subdivision	NORTH GATE PHASE IV
Legal Block	4
Legal Lot Number	16
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	2
Census Block	2043
Census Tract	20302

Owner

Source: Bell County records · APN 0829774739

Assessment roll updated August 1, 2023 · Last verified April 2024

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1705 SPENCE ST, TEMPLE, TX 76502-7435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 17, 2023
Deed Sale	May 17, 2023
Deed Document Number	2023021226
Record Updated	Jun 07, 2026

May 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	May 17, 2023
Property Address	1705 SPENCE ST, TEMPLE, TX 76502-7435
Document Number	0000021226
Map Reference	DOC 2019-199
Instrument Date	Apr 20, 2023
Instrument	2023021226
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4090 STATE HIGHWAY 6 S, COLLEGE STATION, TX 77845-8962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 SPENCE ST, TEMPLE, TX 76502-7435

Mortgage

Document Number	0000021227
Date	May 17, 2023
Instrument	2023021227

Lender

Name	CADENCE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 05, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.27%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 05, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	10.2%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

Source: Bell County records · Assessment roll updated August 1, 2023 · Last verified April 2024

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$7,092.00 (+1,129.12%)	$308,974 Land $30,400 Building $278,574	$308,974 Land $30,400 Building $278,574
2022	$577.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bell County (48027C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480270203022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Moderate above 63% of the US · above 48% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Radiate Holdings Cable	1,500 / 50
Spectrum Cable	1,000 / 35
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 20 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system TX0140005, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF TEMPLE serves 94,935 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.