208 McGugan Ln, Temple, TX 76502 Property Records

Bell County property record for 208 McGugan Ln, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	2,085 sqft · built 2010
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$272,719 (Feb 2025)
Tax Bill	$4,490 (2025)
Deeds & Mortgages	Feb 2025 Second Mortgage Feb 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0045344331`

Property Details

APN / Parcel Number

Primary APN	`0045344331`
Alternative APNs	`384323` `807049`

Interior

Stories	2 Stories
Building Area	2,085 sqft Living Area
1st Floor Area	855 sqft
2nd Floor Area	1,230 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	136 sqft

Location & Zoning

Street Address	208 MCGUGAN LN
City	TEMPLE
State	TX
Zip	76502-3541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ECHO VISTA ADDITION, BLOCK 008, LOT 0021
Legal Subdivision	ECHO VISTA ADDITION
Legal Block	8
Legal Lot Number	21
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1011
Census Tract	21305

Owner

208 McGugan Ln is owned and occupied by two individuals who bought it in February 2025.

Source: Bell County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Feb 7, 2025	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 8, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2025 · Amount on File
Deed Sale	Feb 7, 2025 · Amount on File
Prior Sale	Oct 7, 2021 · Amount on File
Deed Document Number	20256061
Prior Transfer Date	Jan 20, 2016
Prior Transfer Doc	0000003234
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541

Mortgage

Document Number	0000006063
Date	Feb 7, 2025
Instrument	2025006063

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Feb 7, 2028

February 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Feb 7, 2025
Property Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541
Document Number	0000006061
Map Reference	CAB D SL 119-C&D
Instrument Date	Feb 7, 2025
Instrument	2025006061
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO K

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541

Mortgage

Document Number	0000006062
Date	Feb 7, 2025
Instrument	2025006062

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL TX
Recording Date	Oct 7, 2021
Property Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541
Document Number	0000065947
Map Reference	CAB D SL 119C&119D
Instrument Date	Sep 27, 2021
Instrument	2021065947
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541

Mortgage

Document Number	0000065948
Date	Oct 7, 2021
Instrument	2021065948

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	208 MCGUGAN LN, TEMPLE, TX 76502-3541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009027
Date	Mar 8, 2017
Instrument	2017-00009027

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 208 McGugan Ln was $4,490, up 7.4% from the year before.

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	Academy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,490.00 (+7.42%) Homeowner's exemption	$246,392	$276,576 Land $40,000 Building $236,576
2024	$4,180.00 (+18.51%)
2023	$3,527.00 (-13.38%) Homeowner's exemption	$296,762 Land $35,000 Building $261,762	$296,762 Land $35,000 Building $261,762
2022	$4,072.00

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

Flood

FEMA maps place 208 McGugan 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	4 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 208 McGugan Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: SOS Communications, Verizon.

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