198 Sand Flat Ln, Temple, TX 76502 Property Records

Bell County property record for 198 Sand Flat Ln, Temple, TX 76502 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2,092 sqft · built 2019
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$370,900 (Mar 2020)
Tax Bill	$5,619 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0403709206`

Property Details

APN / Parcel Number

Primary APN	`0403709206`
Alternative APNs	`484124` `872538`

Interior

Stories	1 Story
Building Area	2,092 sqft Living Area
1st Floor Area	2,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Hip
Roof Material	Tile
Lot Area	25,700 sqft (0.59 acres)
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	423 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	198 SAND FLAT LN
City	TEMPLE
State	TX
Zip	76502-7290
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH LAKE ESTATES, BLOCK 002, LOT 0021, ACRES .59
Legal Subdivision	NORTH LAKE ESTATES
Legal Block	2
Legal Lot Number	21
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	3
Census Block	3000
Census Tract	20203

Owner

Source: Bell County records · APN 0403709206

Assessment roll updated February 9, 2026 · Last verified July 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 File
Mailing Address	198 SAND FLAT LN, TEMPLE, TX 76502-7290
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 04, 2020	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Mar 06, 2020	Warranty Deed, Transfer · VA Mortgage PLANET HM LNDG
Jan 31, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
May 02, 2019	Vendor's Lien, Transfer · Commercial Mortgage CENTRAL NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 06, 2020 · Amount on Record
Deed Sale	Mar 06, 2020 · Amount on Record
Prior Sale	May 02, 2019 · Amount on Record
Deed Document Number	202011510
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	198 SAND FLAT LN, TEMPLE, TX 76502-7290
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067174
Date	Dec 04, 2020
Instrument	2020-00067174

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Mar 06, 2020
Property Address	198 SAND FLAT LN, TEMPLE, TX 76502-7290
Document Number	0000011510
Instrument Date	Mar 06, 2020
Instrument	11510
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	CENTRALAND TITLE COMPANY, CENTRALAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	198 SAND FLAT LN TEMPLE TX 765027290, TEMPLE, TX 76502-7290

Mortgage

Document Number	11511
Date	Mar 06, 2020
Instrument	11511

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 05, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	198 SAND FLAT LN, TEMPLE, TX 76502-7290
Document Number	0000005047
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5622 WAGON RD TEMPLE TX 765026554, TEMPLE, TX 76502-6554

Mortgage

Document Number	0000005047
Date	Jan 31, 2020
Instrument	5047

Lender

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

Agreement

Term	12 Months
Due	Jan 30, 2021

May 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	May 02, 2019
Property Address	198 SAND FLAT LN, TEMPLE, TX 76502-7290
Document Number	0000018006
Map Reference	DOC 2018-143-A
Instrument Date	May 01, 2019
Instrument	2019-00018006
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	CENTRALAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5622 WAGON RD, TEMPLE, TX 76502-6554

Mortgage

Document Number	0000018007
Date	May 02, 2019
Instrument	2019-00018007

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Feb 01, 2020

Tax Assessment & Valuation

Source: Bell County records · Assessment roll updated February 9, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
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
2025		$464,411 (-6.54%)	$483,749 (-2.65%) Land $58,000 Building $425,749
2024	$5,619.00 (+15.52%)
2023	$4,864.00 (-15.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$496,913 Land $58,000 Building $438,913	$496,913 Land $58,000 Building $438,913
2022	$5,783.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bell County (48027C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480270202033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 26% of Texas
Wildfire Likelihood	About 1 in 1,075 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 122 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Altitude ISP	Fixed Wireless (unlicensed)	500 / 100

May also be available at this address: AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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