3 Ridgewood Dr, Belton, TX 76513 Property Records

Bell County property record for 3 Ridgewood Dr, Belton, TX 76513

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 1966
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on File
Tax Bill	$3,677 (2023)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0314180000`

Property Details

APN / Parcel Number

Primary APN	`0314180000`
Alternative APNs	`870368` `67260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,655 sqft Living Area
1st Floor Area	1,186 sqft
2nd Floor Area	469 sqft
Utility Area	572 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	424 sqft
Carport	Carport
Carport Area	484 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	154 sqft
Canopy	192 sqft
Storage Building	572 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	870368
Street Address	3 RIDGEWOOD DR
City	BELTON
State	TX
Zip	76513-6629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGANS POINT RESORT SECTION 3, BLOCK 004, LOT 49, 50
Legal Subdivision	MORGANS POINT RESORT SECTION 3
Legal Block	4
Legal Lot Number	49,50 50
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	4
Census Block	4030
Census Tract	20201

Owner

3 Ridgewood Dr is owned and occupied by an individual who acquired it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3 RIDGEWOOD DR # DT, DT, BELTON, TX 76513-6629
Occupancy	Owner Occupied
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
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF TEXAS
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 14, 2020	Vendor's Lien, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2020
Deed Sale	Jan 14, 2020
Prior Sale	Jun 24, 2015
Deed Document Number	2020-00002055
Record Updated	Jun 7, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	3 RIDGEWOOD DR, BELTON, TX 76513-6629
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052186
Date	Nov 27, 2023
Instrument	2023052186

Lender

Name	CREDIT UNION OF TEXAS
Type	Credit Union
Address	ALLEN, TX 75013

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	3 RIDGEWOOD DR, BELTON, TX 76513-6629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054479
Date	Oct 6, 2020
Instrument	2020-00054479

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

January 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jan 14, 2020
Property Address	3 RIDGEWOOD DR, BELTON, TX 76513-6629
Document Number	0000002055
Map Reference	CAB A SL 255 C
Instrument Date	Jan 13, 2020
Instrument	2020-00002055
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RIDGEWOOD DR, BELTON, TX 76513-6629

Mortgage

Document Number	0000002056
Date	Jan 14, 2020
Instrument	2020-00002056

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Morgan's Point Resort City
Unified School District	Belton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,677.00 (-14.71%) Homeowner's exemption	$305,467 Land $26,000 Building $279,467	$305,467 Land $26,000 Building $279,467
2022	$4,311.00

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

Flood

FEMA maps place 3 Ridgewood Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	2 in force
Nearby Flood Claims	2 (2010–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2016 · other causes

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 3 Ridgewood Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% 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	CITY OF MORGANS POINT RESORT serves 5,000 people · EPA ID TX0140116
Water Source	Purchased surface water from CITY OF TEMPLE
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Altitude ISP, Nextlink, Spectrum.

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