322 Emerald Ridge Dr, Temple, TX 76502 Property Records

Bell County property record for 322 Emerald Ridge Dr, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	1,450 sqft · built 2010
Lot Size	0.141 acres (6,160 sqft)
Owner	Individual Name on File
Last Sale	$309,624 (Oct 2022)
Tax Bill	$3,725 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0956550411`

Property Details

APN / Parcel Number

Primary APN	`0956550411`
Alternative APNs	`385953` `860191`

Interior

Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	1,450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Lot Area	6,160 sqft (0.141 acres)
Lot Dimensions	107 ft deep x 58 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	86 sqft

Location & Zoning

Street Address	322 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 010, LOT 0002
Legal Subdivision	WESTFIELD DEVELOPMENT PHASE III
Legal Block	10
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1048
Census Tract	20302

Owner

322 Emerald Ridge Dr is owned and occupied by an individual who bought it in October 2022.

Source: Bell County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	322 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
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
Jul 26, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Oct 5, 2022	Vendor's Lien, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
May 22, 2019	Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	May 22, 2019 · Amount on File
Deed Document Number	202262119
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	322 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	SERVICELINK OFTEXAS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047320
Date	Jul 26, 2021
Instrument	2021047320

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jul 1, 2049

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Oct 5, 2022
Property Address	322 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Document Number	0000062119
Map Reference	CAB D SL 117-A
Instrument Date	Oct 4, 2022
Instrument	2022062119
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	NOT AVAILABLE, TEJAS LAND & TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 EMERALD RIDGE DR, TEMPLE, TX 76502-6435

Mortgage

Document Number	0000062120
Date	Oct 5, 2022
Instrument	2022062120

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

May 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	May 22, 2019
Property Address	322 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Document Number	0000021298
Map Reference	CAB D SL 117-A
Instrument Date	May 22, 2019
Instrument	2019-00021298
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	CENTRALAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 N MAIN ST, 15, TEMPLE, TX 76501-7629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 EMERALD RIDGE DR, TEMPLE, TX 76502-6435
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021299
Date	May 22, 2019
Instrument	2019-00021299

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 322 Emerald Ridge Dr was $3,725 with a homeowner's exemption.

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

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	$3,725.00	$257,308 Land $40,000 Building $217,308	$257,308 Land $40,000 Building $217,308
2023	$4,539.00 (-21.4%)	$266,862 Land $32,000 Building $234,862	$266,862 Land $32,000 Building $234,862
2022	$5,775.00

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

Flood

FEMA maps place 322 Emerald Ridge Dr in Zone X, an area of minimal flood risk.

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

The area around 322 Emerald Ridge Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Emerald Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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