317 Emerald Ridge Dr, Temple, TX 76502 Property Records

Bell County property record for 317 Emerald Ridge Dr, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	1,383 sqft · built 2011
Lot Size	0.141 acres (6,164 sqft)
Owner	Individual Name on Record
Tax Bill	$491 (2024)
Deeds & Mortgages	Nov 2024 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0956550378`

Property Details

APN / Parcel Number

Primary APN	`0956550378`
Alternative APNs	`385942` `829699`

Interior

Stories	1 Story
Building Area	1,383 sqft Living Area
1st Floor Area	1,523 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Lot Area	6,164 sqft (0.141 acres)
Lot Dimensions	107 ft deep x 58 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	70 sqft

Location & Zoning

Account Number	829699
Street Address	317 EMERALD RIDGE DR
City	TEMPLE
State	TX
Zip	76502-6435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTFIELD DEVELOPMENT PHASE III, BLOCK 005, LOT 0032
Legal Subdivision	WESTFIELD DEVELOPMENT PHASE III
Legal Phase	3
Legal Block	5
Legal Lot Number	32
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1047
Census Tract	20302

Owner

Source: Bell County records, as of January 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2024	Deed of Trust, Mortgage · VA Mortgage LIT FINANCIAL CORP
Jan 25, 2024	Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 13, 2023	Warranty Deed, Transfer OSN TEXAS, OSN TEXAS LLC
Nov 13, 2023	Warranty Deed, Transfer OSN TEXAS, OSN TEXAS LLC
Jul 3, 2017	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024
Deed Sale	Jan 25, 2024
Prior Sale	Nov 13, 2023
Deed Document Number	2024003169
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	TEXAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435

Mortgage

Document Number	0000050473
Date	Nov 14, 2024
Instrument	2024050473

Lender

Name	LIT FINANCIAL CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

January 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jan 25, 2024
Property Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Document Number	0000003169
Map Reference	CAB D SL 117-A
Instrument Date	Jan 24, 2024
Instrument	2024003169
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, OSN TEXAS LLC PLANO BRANCH

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435

Mortgage

Document Number	0000003170
Date	Jan 25, 2024
Instrument	2024003170

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Nov 13, 2023
Property Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Document Number	0000050602
Map Reference	CAB D SL 117-A
Instrument Date	Nov 12, 2023
Instrument	2023050602
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	OSN TEXAS, OSN TEXAS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Nov 13, 2023
Property Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Document Number	0000050602
Map Reference	CAB D SL 117-A
Instrument Date	Nov 12, 2023
Instrument	2023050602
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	OSN TEXAS, OSN TEXAS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jul 3, 2017
Property Address	317 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Document Number	0000027615
Map Reference	CAB D SL117-A
Instrument Date	Jun 30, 2017
Instrument	2017-00027615
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	MONTEITH ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1919 HUMBLE WESTFIELD RD TRLR 68, 1919, HOUSTON, TX 77073-2525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 MIDDLETON CIR, THE COLONY, TX 75056-2222

Mortgage

Document Number	0000027616
Date	Jul 3, 2017
Instrument	2017-00027616

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$233,848 (-9.84%) Land $40,000 Building $193,848	$233,848 (-9.84%) Land $40,000 Building $193,848
2024	$491.00 (-67.38%)
2023	$1,505.00 (-45.96%) Homeowner's exemption Senior Citizen's exemption	$259,360 Land $32,000 Building $227,360	$259,360 Land $32,000 Building $227,360
2022	$2,785.00

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	3 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	Not rated no burnable land within ember reach

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 TEMPLE serves 94,935 people · EPA ID TX0140005
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2019 Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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