2312 Smith Bluff Rd, Salado, TX 76571 Property Records

Bell County property record for 2312 Smith Bluff Rd, Salado, TX 76571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,997 sqft · built 1994
Lot Size	0.354 acres (15,423 sqft)
Owner	Individual on Record
Tax Bill	$1,115 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`0374036503`

Property Details

APN / Parcel Number

Primary APN	`0374036503`
Alternative APNs	`816717` `35879`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,997 sqft Living Area
1st Floor Area	1,997 sqft
Flooring	Vinyl/Resilient
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	15,423 sqft (0.354 acres)
Lot Dimensions	159 ft deep x 97 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	222 sqft
Deck Area	270 sqft
Canopy	237 sqft
Storage Building	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2312 SMITH BLUFF RD
City	SALADO
State	TX
Zip	76571-5489
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL CREEK SECTION 16, BLOCK 003, LOT 0002, (TOD DEED)
Legal Subdivision	MILL CREEK SECTION 16
Legal Block	3
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	SOUTH BELL
Census Block Group	2
Census Block	2015
Census Tract	23405

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	Individual on Record
Mailing Address	2312 SMITH BLUFF RD, SALADO, TX 76571-5489
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023
Deed Sale	Nov 20, 2023
Prior Sale	Aug 31, 2015 · Amount on Record
Deed Document Number	202351683
Last Transfer Date	May 15, 2024
Transfer Doc	0000020908
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	2312 SMITH BLUFF RD, SALADO, TX 76571-5489
Document Number	0000027112
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2312 SMITH BLUFF RD SALADO TX 765715489, SALADO, TX 76571-5489

Mortgage

Document Number	0000027112
Date	Jun 8, 2020
Instrument	27112

Lender

Name	A+ FCU
Type	Credit Union
Address	6420 E HIGHWAY 290, AUSTIN, TX 78723-1030

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Salado Village
Unified School District	Salado Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,115.00 (+44.81%)	$349,109 (+55.09%)	$477,359 (+112.07%) Land $78,503 Building $398,856
2023	$770.00 (-52.47%) Homeowner's exemption Senior Citizen's exemption	$225,100 Land $45,000 Building $180,100	$225,100 Land $45,000 Building $180,100
2022	$1,620.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	3 (2010–2015)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2015 · rainfall accumulation

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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% 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	SALADO WSC serves 11,460 people · EPA ID TX0140035
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	5 ppb (2021–2023) 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Altitude ISP Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
SOS Communications Fixed Wireless	100 / 20

May also be available: Brightspeed, Falcon Internet, Heritage Broadband, Nextlink, Western Broadband.