2516 Winners Cir, Salado, TX 76571 Property Records

Bell County property record for 2516 Winners Cir, Salado, TX 76571

Property Summary

Property Type	Single Family Home
Details	3,293 sqft · built 2022
Lot Size	0.646 acres (28,140 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,776 (2023)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0433411003`

Property Details

APN / Parcel Number

Primary APN	`0433411003`
Alternative APNs	`193385` `837740`

Interior

Stories	2 Stories
Building Area	3,293 sqft Living Area
2nd Floor Area	951 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	28,140 sqft (0.646 acres)
Garage Area	1,197 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	837740
Street Address	2516 WINNERS CIR
City	SALADO
State	TX
Zip	76571-6626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINNERS CIRCLE ADDITION, BLOCK 001, LOT 0002
Legal Subdivision	WINNERS CIRCLE ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	SOUTH BELL
Census Block Group	2
Census Block	2015
Census Tract	23405

Owner

2516 Winners Cir is owned by two individuals who acquired it in June 2020.

Source: Bell County records, as of April 1, 2024

Owner of Record	2 Individual Names on File
Mailing Address	2516 WINNERS CIR, SALADO, TX 76571-6626
Owner Type	Individual

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
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Jul 22, 2022	Deed of Trust, Mortgage · Closed-End Mortgage BANCORPSOUTH BANK
Jun 18, 2020	Warranty Deed, Transfer FIRST CMNTY TITLE
Dec 28, 2017	Vendor's Lien, Transfer · Conventional Mortgage HORIZON BANK SSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2020
Deed Sale	Jun 18, 2020
Prior Sale	Dec 28, 2017
Deed Document Number	2020-00029485
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	2516 WINNERS CIR, SALADO, TX 76571-6626
Transaction Type	Mortgage
Record Updated	Nov 10, 2023
Title Company	FIRST EQUITY TITLE LLC, FIRST COMMUNITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7814 HAWTHORN, TEMPLE, TX 76502-5514

Mortgage

Document Number	0000069200
Date	Oct 20, 2021
Instrument	2021069200

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	BELTON, TX 76513

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 14, 2022

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	2516 WINNERS CIR, SALADO, TX 76571-6626
Transaction Type	Mortgage
Record Updated	Nov 10, 2023
Title Company	NOT AVAILABLE, MAVERICK TTL OF TX DBA TX TT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063692
Date	Oct 14, 2022
Instrument	2022063692

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 5, 2032
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	2516 WINNERS CIR, SALADO, TX 76571-6626
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7814 HAWTHORN, TEMPLE, TX 76502-5514

Mortgage

Document Number	0000046711
Date	Jul 22, 2022
Instrument	2022046711

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	BELTON, TX 76513

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 15, 2023

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Jun 18, 2020
Property Address	WINNERS CIRCLE DR, SALADO, TX 76571
Document Number	0000029485
Instrument Date	Jun 17, 2020
Instrument	29485
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	FIRST CMNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7814 HAWTHOM TEMPLE TX 76502, TEMPLE, TX 76502

December 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Dec 28, 2017
Property Address	WINNERS CIRCLE DR, SALADO, TX 76571
Document Number	0000054127
Map Reference	CAB C SL115-B
Instrument Date	Dec 21, 2017
Instrument	2017-00054127
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3901 CHISHOLM TRL APT 3, 3901, SALADO, TX 76571-5494

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 STAGHORN LN, SALADO, TX 76571-6272

Mortgage

Document Number	0000054128
Date	Dec 28, 2017
Instrument	2017-00054128

Lender

Name	HORIZON BANK SSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jan 5, 2025

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2023

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
2023	$11,776.00 (+617.17%) Homeowner's exemption	$685,000 Land $85,185 Building $599,815	$685,000 Land $85,185 Building $599,815
2022	$1,642.00

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

Flood

FEMA maps place 2516 Winners Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2516 Winners Cir is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 79% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Nextlink Fixed Wireless	500 / 100
Altitude ISP Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Brightspeed DSL	140 / 20
SOS Communications Fixed Wireless	100 / 20

May also be available: Western Broadband.

Nearby Properties on Winners Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures