2045 Ratibor Dr, Temple, TX 76502 Property Records

Bell County property record for 2045 Ratibor Dr, Temple, TX 76502

Property Summary

Property Type	Vacant Land
Lot Size	0.198 acres (8,630 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,218 (Oct 2026)
Tax Bill	$249 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2026 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0396643715`

Property Details

APN / Parcel Number

Primary APN	`0396643715`
Alternative APN	`499372`

Exterior

Lot Area	8,630 sqft (0.198 acres)

Location & Zoning

Street Address	2045 RATIBOR DR
City	TEMPLE
State	TX
Zip	76502-2997
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	HILLSIDE VILLAGE, BLOCK 007, LOT 0016
Legal Subdivision	HILLSIDE VILLAGE
Legal Block	7
Legal Lot Number	16
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	3
Census Block	3017
Census Tract	20900

Owner

Source: Bell County records, as of October 14, 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	2045 RATIBOR DR, TEMPLE, TX 76502-2997
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Special Warranty Deed, Transfer · VA Mortgage HUNTINGTON NATIONAL BANK
May 15, 2026	Special Warranty Deed, Transfer · Line of Credit ALLIANCE BANK CTRL TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	May 15, 2026 · Amount on Record
Deed Document Number	202649374
Record Updated	Oct 29, 2026

October 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL TX
Recording Date	Oct 1, 2026
Property Address	2045 RATIBOR DR, TEMPLE, TX 76502-2997
Document Number	0000049374
Instrument Date	Oct 1, 2026
Instrument	202649374
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	CENTRALAND TITLE COMPANY, CENTRALAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 RATIBOR DR, TEMPLE, TX 76502-2997
Investor	Possibly a Property Investor

Mortgage

Document Number	0000049375,
Date	Oct 1, 2026
Instrument	202649375

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL TX
Recording Date	May 15, 2026
Property Address	2045 RATIBOR DR, TEMPLE, TX 76502-2997
Document Number	0000023937
Instrument Date	May 14, 2026
Instrument	202623937
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	CENTRAL LAND TITLE, CENTRALAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	7353 W ADAMS AVE, TEMPLE, TX 76502-5539
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023938,
Date	May 15, 2026
Instrument	202623938

Lender

Name	ALLIANCE BANK CTRL TX

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

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	$249.00 (+227.63%)	$4,600 (-) Land $4,600	$4,600 (-) Land $4,600
2023	$76.00 (-1.3%)	$4,600 Land $4,600	$4,600 Land $4,600
2022	$77.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.4% of Texas
Wildfire Likelihood	0.02% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
SOS Communications Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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