Bell County property record for 3414 Prato Ln, Temple, TX 76502 · Last verified July 2026
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.236 acres (10,288 sqft) |
| Owner | Individual Name on File |
| Last Sale | $498,820 (Mar 2026) |
| Tax Bill | $1,050 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0659480441 |
| Primary APN | 0659480441 |
|---|---|
| Alternative APN |
|
| Lot Area | 10,288 sqft (0.236 acres) |
|---|
| Street Address | 3414 PRATO LN |
|---|---|
| City | TEMPLE |
| State | TX |
| Zip | 76502-8105 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | BELLA TERRA PHASE II, BLOCK 006, LOT 0024 |
| Legal Subdivision | BELLA TERRA PHASE II |
| Legal Block | 6 |
| Legal Lot Number | 24 |
| Jurisdiction | BELL TX |
| Township / Civil Division | TEMPLE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 21305 |
Source: Bell County records · APN 0659480441
Assessment roll updated February 9, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3414 PRATO LN, TEMPLE, TX 76502-8105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Mar 07, 2025 | Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA |
| Mar 18, 2026 | Vendor's Lien, Subdivision Related Transfer · VA Mortgage GRANITE COMMUNITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 18, 2026 · Amount on Record |
| Deed Sale | Mar 18, 2026 · Amount on Record |
| Prior Sale | Aug 12, 2024 |
| Deed Document Number | 202612584 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 3414 PRATO LN, TEMPLE, TX 76502-8105 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2026 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO T |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000010610 |
|---|---|
| Date | Mar 07, 2025 |
| Instrument | 2025010610 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TEMPLE, TX 76502 |
| Type | Commercial Mortgage |
|---|
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Mar 18, 2026 |
| Property Address | 3414 PRATO LN, TEMPLE, TX 76502-8105 |
| Document Number | 0000012584 |
| Map Reference | DOC 2021021974A&B |
| Instrument Date | Mar 17, 2026 |
| Instrument | 2026012584 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 01, 2026 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO T |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 50 S WHEAT RD, BELTON, TX 76513-8220 |
| Name | Verified Name |
|---|---|
| Address | 3414 PRATO LN, TEMPLE, TX 76502-8105 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012585 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026012585 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
Source: Bell County records · Assessment roll updated February 9, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Temple City |
| Unified School District | Temple Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,050.00 (+4.17%) | $44,000 (-) Land $44,000 | $44,000 (-) Land $44,000 |
| 2023 | $1,008.00 (-19.04%) | $44,000 Land $44,000 | $44,000 Land $44,000 |
| 2022 | $1,245.00 |
Source: FEMA National Flood Hazard Layer, Bell County (48027C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480270213052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 19 individual NFIP policies nearby |
| Nearby Flood Policies | 19 in force |
| Wildfire Risk | Moderate above 45% of the US · above 18% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 1,220 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 87 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Radiate Holdings | Cable | 1,500 / 50 |
| Spectrum | Cable | 1,000 / 1,000 |
| AMG Technology Investment Group | Fixed Wireless | 500 / 100 |
May also be available at this address: AT&T, Verizon, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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