3398 E US Hwy 190, Temple, TX 76501 Property Records

Bell County property record for 3398 E US Hwy 190, Temple, TX 76501

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,556 sqft · built 1997
Lot Size	1.37 acres (59,808 sqft)
Owner	Individual Name on Record
Tax Bill	$1,787 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0451520000`

Property Details

APN / Parcel Number

Primary APN	`0451520000`
Alternative APNs	`860171` `9960`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,556 sqft Living Area
1st Floor Area	1,716 sqft
2nd Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	59,808 sqft (1.37 acres)
Porch	Open Porch
Porch Area	64 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	860171
Street Address	3398 E US HIGHWAY 190
City	TEMPLE
State	TX
Zip	76501-7338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0014BC M MORENO, 404, ACRES 1.373 404,
Legal Subdivision	M MORENO
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	3
Census Block	3031
Census Tract	20900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3398 E US HIGHWAY 190, TEMPLE, TX 76501-7338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jun 6, 2023	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 17, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2023
Deed Sale	Jun 6, 2023
Prior Sale	May 17, 2019
Deed Document Number	2023024423
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	3398 E US HIGHWAY 190, TEMPLE, TX 76501-7338
Transaction Type	Mortgage
Record Updated	Nov 10, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048381
Date	Jul 29, 2021
Instrument	2021048381

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jun 6, 2023
Property Address	3398 E US HIGHWAY 190, TEMPLE, TX 76501-7338
Document Number	0000024423
Instrument Date	Jun 2, 2023
Instrument	2023024423
Transaction Type	Transfer
Record Updated	Jun 23, 2023
Title Company	FIRST EQUITY TITLE LLC, FIRST COMMUNITY 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	3398 E US HIGHWAY 190, TEMPLE, TX 76501-7338

Mortgage

Document Number	0000024424
Date	Jun 6, 2023
Instrument	2023024424

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	May 17, 2019
Property Address	3398 E US HIGHWAY 190, TEMPLE, TX 76501-7338
Document Number	0000020491
Book / Page	010842 / 000646
Instrument Date	May 9, 2019
Instrument	20491
Transaction Type	Transfer
Record Updated	May 31, 2019
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	Husband and Wife
Address	3398 E US HIGHWAY 190 TEMPLE TX 765017338, TEMPLE, TX 76501-7338

Mortgage

Document Number	20492
Date	May 17, 2019
Book Page	010842/000659
Instrument	20492

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELL TX
Recording Date	Feb 27, 2018
Property Address	3398 E US HIGHWAY 190, TEMPLE, TX 76501-7338
Document Number	0000007697
Instrument Date	Feb 20, 2018
Instrument	7697
Transaction Type	Transfer
Record Updated	Mar 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1371 RUFFNER CT NISKAYUNA NY 123092538, NISKAYUNA, NY 12309-2538

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,787.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$303,736 Land $51,406 Building $252,330	$303,736 Land $51,406 Building $252,330

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
SOS Communications Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed.

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