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34 Spruce Dr, Belton, TX 76513 Property Records

Bell County property record for 34 Spruce Dr, Belton, TX 76513

Property Summary

Property TypeSingle Family Home
Details3,594 sqft · built 2009
Lot Size4.26 acres (185,740 sqft)
Owner2 Individual Names on Record
Tax Bill$3,814 (2025)
Deeds & MortgagesAug 2024 Mortgage
May 2019 Sale
Flood ZoneZone X (minimal risk)
APN0432789817

Property Details

APN / Parcel Number

Primary APN0432789817
Alternative APNs
  • 419339
  • 787361

Interior

Stories2 Stories
Building Area3,594 sqft Living Area
1st Floor Area2,894 sqft
2nd Floor Area700 sqft

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialWood Siding
Roof MaterialMetal
Lot Area185,740 sqft (4.26 acres)
View / LotLake
Garage TypeDetached
Garage Area1,246 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area874 sqft
Deck Area96 sqft
Patio Area296 sqft
Balcony Area200 sqft
Canopy264 sqft
Storage Building96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address34 SPRUCE DR
CityBELTON
StateTX
Zip76513-6357
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAS DEL SOL SUBDIVISION, BLOCK 001, LOT 0004, ACRES 2.132
Legal SubdivisionVILLAS DEL SOL SUBDIVISION
Legal Block1
Legal Lot Number4
JurisdictionBELL TX
Township / Civil DivisionNORTHWEST BELL
Census Block Group2
Census Block2005
Census Tract20203

Owner

Source: Bell County records, as of June 9, 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 Record2 Individual Names on Record
Mailing Address34 SPRUCE DR, BELTON, TX 76513-6357
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 7, 2024Deed of Trust, Mortgage · Conventional Mortgage
EXTRACO BANKS NA
May 1, 2019Grant Deed, Transfer
OTHER

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedSep 20, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELL TX
Property Address34 SPRUCE DR, BELTON, TX 76513-6357
Transaction TypeMortgage
Record UpdatedJan 21, 2026
Title CompanyCENTRALAND TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address34 SPRUCE DR, BELTON, TX 76513-6357

Mortgage

Document Number0000034058
DateAug 7, 2024
Instrument2024034058
Lender
NameEXTRACO BANKS NA
TypeBank
AddressWOODWAY, TX 76712
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054
Interest
Rate TypeAdjustable Rate
Rate7.37%
AdjustableAdjustable Rate Rider
Type Change DateSep 1, 2029
Change FrequencyAnnually
Min Rate At Change5.37%
Max Rate At Change9.37%
Index1-Year CMT
Max Rate13.3%

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBELL TX
Recording DateMay 1, 2019
Property Address34 SPRUCE DR, BELTON, TX 76513-6357
Document Number0000017853
Book / Page010823 / 000805
Instrument DateApr 16, 2019
Instrument17853
Transaction TypeTransfer
Record UpdatedMay 23, 2019
Title CompanyOTHER

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address34 SPRUCE DR BELTON TX 765136357, BELTON, TX 76513-6357

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTexas
CountyBell County
Unified School DistrictBelton Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,814.00 (-21.18%) Homeowner's exemption Senior Citizen's exemption$646,830 (-44.98%)$1,040,574 (-11.49%) Land $318,544 Building $722,030
2024$4,839.00 (-0.23%)
2023$4,850.00 (-31.86%) Homeowner's exemption Senior Citizen's exemption$1,175,678 Land $274,895 Building $900,783$1,175,678 Land $274,895 Building $900,783
2022$7,118.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskModerate
above 45% of the US · lower than 81% of Texas
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF MORGANS POINT RESORT
serves 5,000 people · EPA ID TX0140116
Water SourcePurchased surface water from CITY OF TEMPLE
Last State InspectionJan 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 55 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Astound Broadband
Cable		1,500 / 50
Altitude ISP
Fixed Wireless		500 / 100
Nextlink
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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