230 Sand Flat Ln, Temple, TX 76502 Property Records

Bell County property record for 230 Sand Flat Ln, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	2,690 sqft · built 2020
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$524,300 (May 2026)
Tax Bill	$2,906 (2022)
Deeds & Mortgages	Aug 2024 Line of Credit May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0403709182`

Property Details

APN / Parcel Number

Primary APN	`0403709182`
Alternative APNs	`484116` `840418`

Interior

Stories	1 Story
Building Area	2,690 sqft Living Area
1st Floor Area	2,690 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	22,651 sqft (0.52 acres)
Garage Area	845 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Location & Zoning

Street Address	230 SAND FLAT LN
City	TEMPLE
State	TX
Zip	76502-7291
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH LAKE ESTATES, BLOCK 002, LOT 0013, ACRES .52
Legal Subdivision	NORTH LAKE ESTATES
Legal Block	2
Legal Lot Number	13
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	3
Census Block	3000
Census Tract	20203

Owner

Source: Bell County assessment roll, as of February 9, 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 File
Mailing Address	1257 BENDING BRANCH WAY, TEMPLE, TX 76502-6255
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 20, 2026	Deed, Transfer · VA Mortgage CENTRAL NATIONAL BANK
Sep 29, 2020	Deed of Trust, Mortgage · Construction Mortgage THE FIRST NATIONAL BANK OF EVANT
Apr 19, 2021	Vendor's Lien, Subdivision Related Transfer · VA Mortgage NAVY FCU
Jul 29, 2020	Warranty Deed, Subdivision Related Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Apr 19, 2021 · Amount on Record
Deed Document Number	202624678
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291

Mortgage

Document Number	0000033818
Date	Aug 6, 2024
Instrument	2024033818

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL TX
Recording Date	May 20, 2026
Property Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291
Document Number	0000024678
Instrument Date	May 18, 2026
Instrument	202624678
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0000024679,
Date	May 20, 2026
Instrument	202624679

Lender

Name	CENTRAL NATIONAL BANK

Agreement

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

Interest

Rate	6.37%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052908
Date	Sep 29, 2020
Instrument	2020-00052908

Lender

Name	THE FIRST NATIONAL BANK OF EVANT
Type	Bank
Address	PARAMUS, NJ 7652

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 19, 2021
Property Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291
Document Number	0000023404
Map Reference	DOC 2018-143A&B
Instrument Date	Apr 16, 2021
Instrument	2021023404
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2021
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	2606 NEARS DRIVE, 2606, GATESVILLE, TX 76528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291

Mortgage

Document Number	0000023405
Date	Apr 19, 2021
Instrument	2021023405

Lender

Name	NAVY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Jul 29, 2020
Property Address	230 SAND FLAT LN, TEMPLE, TX 76502-7291
Document Number	0000038299
Instrument Date	Jul 24, 2020
Instrument	38299
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAND FLAT LN TEMPLE TX 765027290, TEMPLE, TX 76502-7290

Tax Assessment & Valuation

Source: Bell County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$592,107 (-1.06%) Land $58,000 Building $534,107	$592,107 (-1.06%) Land $58,000 Building $534,107
2023		$598,427 Land $58,000 Building $540,427	$598,427 Land $58,000 Building $540,427
2022	$2,906.00

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 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

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

Wildfire Risk	Moderate above 65% of the US · above 53% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	MOFFAT WSC serves 4,633 people · EPA ID TX0140028
Water Source	Purchased surface water from BLUEBONNET WSC
Last State Inspection	Oct 2023
Lead	3 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Altitude ISP Fixed Wireless	500 / 100

May also be available: Nextlink, Verizon.

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