2103 Coy Dr, Copperas Cove, TX 76522 Property Records

Coryell County property record for 2103 Coy Dr, Copperas Cove, TX 76522

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,827 sqft · built 2010
Lot Size	0.197 acres (8,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,278 (Nov 2025)
Tax Bill	$4,992 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-41-17-9687`

Property Details

APN / Parcel Number

Primary APN	`1-41-17-9687`
Alternative APN	`146110`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,827 sqft Living Area
Gross Area	2,267 sqft
1st Floor Area	1,827 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Lot Area	8,579 sqft (0.197 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	243 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2103 COY DR
City	COPPERAS COVE
State	TX
Zip	76522-7794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE CREEK NORTH PHS 3, BLOCK 16, LOT 38, ACRES .0
Legal Subdivision	HOUSE CREEK NORTH PHS 3
Legal Phase	3
Legal Tract	38
Legal Block	16
Legal Lot Number	38
Jurisdiction	CORYELL TX
Township / Civil Division	COPPERAS COVE
Census Block Group	3
Census Block	3002
Census Tract	10604

Owner

Source: Coryell County records, as of May 26, 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	2103 COY DR, COPPERAS COVE, TX 76522-7794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 3, 2025	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 21, 2020	Vendor's Lien, Transfer · VA Mortgage SWBC MORTGAGE CORP
Oct 2, 2017	Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Jan 21, 2020 · Amount on Record
Deed Document Number	2025387979
Prior Transfer Date	Sep 18, 2017
Prior Transfer Doc	0000301317
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORYELL TX
Property Address	2103 COY DR, COPPERAS COVE, TX 76522-7794
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000349209
Date	Feb 23, 2022
Instrument	349209

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CORYELL TX
Recording Date	Nov 3, 2025
Property Address	2103 COY DR, COPPERAS COVE, TX 76522-7794
Document Number	0000387979
Map Reference	CAB B SL 682-683
Instrument Date	Nov 3, 2025
Instrument	387979
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 COY DR, COPPERAS COVE, TX 76522-7794

Mortgage

Document Number	0000387980
Date	Nov 3, 2025
Instrument	387980

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CORYELL TX
Recording Date	Jan 21, 2020
Property Address	2103 COY DR, COPPERAS COVE, TX 76522-7794
Document Number	0000323354
Map Reference	CAB B SL 682&683
Instrument Date	Jan 13, 2020
Instrument	323354
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 COY DR, COPPERAS COVE, TX 76522-7794

Mortgage

Document Number	0000323355
Date	Jan 21, 2020
Instrument	323355

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CORYELL TX
Recording Date	Oct 2, 2017
Property Address	2103 COY DR, COPPERAS COVE, TX 76522-7794
Document Number	0000301317
Map Reference	CAB B SL 682-683
Instrument Date	Sep 18, 2017
Instrument	301317
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12506 CAMPOS DR, HOUSTON, TX 77065-2306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207025 TOYAH TRAIL, MAGNOLIA, TX 77355

Mortgage

Document Number	0000302565
Date	Oct 2, 2017
Instrument	302565

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	1.99%
Max Rate At Change	3.99%
Index	1-Year CMT
Max Rate	5%

Tax Assessment & Valuation

Source: Coryell County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Coryell County
Municipality	Copperas Cove City
Unified School District	Copperas Cove Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$260,930 (-0.34%) Land $40,000 Building $220,930	$260,930 (-0.34%) Land $40,000 Building $220,930
2024	$4,992.00 (-3.14%)
2023	$5,154.00 (+3.16%) Homeowner's exemption	$261,810 Land $40,000 Building $221,810	$261,810 Land $40,000 Building $221,810
2022	$4,996.00 (+19.52%)
2021	$4,180.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 24, 2021 · 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
Community Rating System	Class 8 (10% premium discount)
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

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

Wildfire Risk	Low lower than 65% of the US · lower than 90% 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 COPPERAS COVE serves 41,669 people · EPA ID TX0500001
Water Source	Purchased surface water from BELL COUNTY WCID 1
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Altitude ISP Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: T-Mobile.

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