280 Sand Flat Ln, Temple, TX 76502 Property Records

Bell County property record for 280 Sand Flat Ln, Temple, TX 76502 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2,102 sqft · built 2021
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$348,200 (Jan 2022)
Tax Bill	$4,106 (2023)
Deeds & Mortgages	May 2021 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0403709146`

Property Details

APN / Parcel Number

Primary APN	`0403709146`
Alternative APNs	`484104` `840418`

Interior

Stories	1 Story
Building Area	2,102 sqft Living Area
1st Floor Area	2,102 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	280 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 0001, ACRES 0.52
Legal Subdivision	NORTH LAKE ESTATES
Legal Block	2
Legal Lot Number	1
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	3
Census Block	3000
Census Tract	20203

Owner

Source: Bell County records · APN 0403709146

Assessment roll updated February 9, 2026 · Last verified August 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	280 SAND FLAT LN, TEMPLE, TX 76502-7291
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 07, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Jan 10, 2022	Vendor's Lien, Subdivision Related Transfer · VA Mortgage GATEWAY MORTGAGE CORP
Apr 29, 2021	Warranty Deed, Transfer TEXAS TITLE - THE PEARSON FIRM, TEXAS TITLE THE PEARSON FIRM
Sep 30, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST GUARANTY BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Prior Sale	Apr 29, 2021 · Amount on Record
Deed Document Number	20221734
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	280 SAND FLAT LN, TEMPLE, TX 76502-7291
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028322
Date	May 07, 2021
Instrument	2021028322

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	SALADO, TX 76571

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jan 10, 2022
Property Address	280 SAND FLAT LN, TEMPLE, TX 76502-7291
Document Number	0000001734
Map Reference	VOL 2018 PG 36209
Instrument Date	Jan 10, 2022
Instrument	2022001734
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 15, 2022
Title Company	TEXAS TITLE - THE PEARSON FIRM, TEXAS TITLE THE PEARSON FIRM

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SAND FLAT LN, TEMPLE, TX 76502-7291

Mortgage

Document Number	0000001735
Date	Jan 10, 2022
Instrument	2022001735

Lender

Name	GATEWAY MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Apr 29, 2021
Property Address	280 SAND FLAT LN, TEMPLE, TX 76502-7291
Document Number	0000026490
Map Reference	VOL 2018 PG 36209
Instrument Date	Apr 29, 2021
Instrument	2021026490
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	TEXAS TITLE - THE PEARSON FIRM, TEXAS TITLE THE PEARSON FIRM

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8702 ADAMS LN, 8702, TEMPLE, TX 76502-5158

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 331, TROY, TX 76579-0331

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BELL TX
Recording Date	Sep 30, 2020
Property Address	280 SAND FLAT LN, TEMPLE, TX 76502-7291
Document Number	0000052977
Instrument Date	Sep 29, 2020
Instrument	52977
Transaction Type	Construction Loan
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8702 ADAMS LN TEMPLE TX 765025158, TEMPLE, TX 76502-5158

Mortgage

Document Number	0000052977
Date	Sep 30, 2020
Instrument	52977

Lender

Name	FIRST GUARANTY BK
Type	Bank
Address	WACO, TX 76712-3801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 29, 2021

Tax Assessment & Valuation

Source: Bell County records · Assessment roll updated February 9, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$490,215 (-1.78%) Land $58,000 Building $432,215	$490,215 (-1.78%) Land $58,000 Building $432,215
2023	$4,106.00 (-22.28%) Homeowner's exemption	$499,096 Land $58,000 Building $441,096	$499,096 Land $58,000 Building $441,096
2022	$5,283.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bell County (48027C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480270202033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 56% of Texas
Wildfire Likelihood	About 1 in 521 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Altitude ISP	Fixed Wireless (unlicensed)	500 / 100

May also be available at this address: AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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