3435 Espada Dr, Belton, TX 76513 Property Records

Bell County property record for 3435 Espada Dr, Belton, TX 76513

Property Summary

Property Type	Single Family Home
Details	2,168 sqft · built 2021
Lot Size	0.31 acres (13,500 sqft)
Owner	2 Individuals on Record
Last Sale	$366,600 (Nov 2021)
Tax Bill	$7,270 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0263890529`

Property Details

APN / Parcel Number

Primary APN	`0263890529`
Alternative APN	`497438`

Interior

Stories	1 Story
Building Area	2,168 sqft Living Area
1st Floor Area	2,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.31 acres)
Garage Area	619 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3435 ESPADA DR
City	BELTON
State	TX
Zip	76513-4133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAWSON RIDGE AMENDING PLAT, BLOCK 008, LOT 0013
Legal Subdivision	DAWSON RIDGE AMENDING PLAT
Legal Block	8
Legal Lot Number	13
Jurisdiction	BELL TX
Township / Civil Division	BELTON
Census Block Group	3
Census Block	3006
Census Tract	21701

Owner

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

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

Owner of Record	2 Individuals on Record
Mailing Address	3435 ESPADA DR, BELTON, TX 76513-4133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · FHA Mortgage RUTH RUHL PC
Nov 15, 2021	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Deed Document Number	202174812
Prior Transfer Date	Nov 10, 2021
Prior Transfer Doc	0000074812
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	3435 ESPADA DR, BELTON, TX 76513-4133
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 ESPADA DR, BELTON, TX 76513-4133

Mortgage

Document Number	0000032968
Date	Jul 25, 2023
Instrument	2023032968

Lender

Name	RUTH RUHL PC
Type	Non-Lending Institution
Address	DALLAS, TX 75251

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Dec 1, 2051

November 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Nov 15, 2021
Property Address	3435 ESPADA DR, BELTON, TX 76513-4133
Document Number	0000074812
Map Reference	PL 2020040174A&B
Instrument Date	Nov 10, 2021
Instrument	2021074812
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 15, 2022
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1182 FM 1829, 1182, GATESVILLE, TX 76528-4019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 ESPADA DR, BELTON, TX 76513-4133

Mortgage

Document Number	0000074813
Date	Nov 15, 2021
Instrument	2021074813

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,270.00 (-8.62%)	$463,934 (+3.09%) Land $75,000 Building $388,934	$463,934 (+3.09%) Land $75,000 Building $388,934
2023	$7,956.00 (-10.94%) Homeowner's exemption	$450,029 Land $75,000 Building $375,029	$450,029 Land $75,000 Building $375,029
2022	$8,933.00

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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	Moderate above 56% of the US · lower than 63% of Texas
Wildfire Likelihood	0.1% 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	439 WSC serves 7,836 people · EPA ID TX0140076
Water Source	Purchased surface water from BELL COUNTY WCID 1
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017 Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, T-Mobile.

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