3502 Whispering Oaks, Temple, TX 76504 Property Records

Bell County property record for 3502 Whispering Oaks, Temple, TX 76504

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,616 sqft · built 1989
Lot Size	0.252 acres (10,977 sqft)
Owner	2 Individual Names on File
Last Sale	$378,252 (Apr 2023)
Tax Bill	$6,707 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0138965438`

Property Details

APN / Parcel Number

Primary APN	`0138965438`
Alternative APNs	`103893` `808268`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,616 sqft Living Area
1st Floor Area	2,616 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,977 sqft (0.252 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	270 sqft
Canopy	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3502 WHISPERING OAKS
City	TEMPLE
State	TX
Zip	76504-2172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF1
Legal Description	WOODBRIDGE CREEK PHASE II, BLOCK 005, LOT 0007
Legal Subdivision	WOODBRIDGE CREEK PHASE II
Legal Block	5
Legal Lot Number	7
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1000
Census Tract	21201

Owner

3502 Whispering Oaks is owned and occupied by two individuals who bought it in April 2023.

Source: Bell County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3502 WHISPERING OAKS, TEMPLE, TX 76504-2172
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
Jan 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 27, 2023	Vendor's Lien, Transfer · Stand-Alone First Mortgage FDRE INC
Mar 22, 2023	Vendor's Lien, Transfer · Commercial Mortgage FDRE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2023 · Amount on File
Deed Sale	Apr 27, 2023 · Amount on File
Prior Sale	Mar 22, 2023 · Amount on File
Deed Document Number	202317795
Prior Transfer Date	Mar 3, 2010
Prior Transfer Doc	0000008872
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	3502 WHISPERING OAKS, TEMPLE, TX 76504-2172
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO T

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 WHISPERING OAKS, TEMPLE, TX 76504-2172

Mortgage

Document Number	0000001583
Date	Jan 12, 2026
Instrument	2026001583

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 27, 2023
Property Address	3502 WHISPERING OAKS, TEMPLE, TX 76504-2172
Document Number	0000017795
Map Reference	CAB A SL 384-B
Instrument Date	Apr 22, 2023
Instrument	2023017795
Transaction Type	Transfer
Record Updated	May 12, 2023
Title Company	STEWART TITLE, STEWART TITLE BEXAR

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 WHISPERING OAKS, TEMPLE, TX 76504-2172

Mortgage

Document Number	0000017796
Date	Apr 27, 2023
Instrument	2023017796

Lender

Name	FDRE INC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

March 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Mar 22, 2023
Property Address	3502 WHISPERING OAKS, TEMPLE, TX 76504-2172
Document Number	0000011946
Map Reference	CAB A SL 384-B
Instrument Date	Mar 15, 2023
Instrument	2023011946
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4102 S NEW BRAUNFELS AVE # 110-200, 110, SAN ANTONIO, TX 78223-1717

Mortgage

Document Number	0000011947
Date	Mar 22, 2023
Instrument	2023011947

Lender

Name	FDRE INC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3502 Whispering Oaks was $6,707 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	Temple Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,707.00	$368,650 Land $50,000 Building $318,650	$368,650 Land $50,000 Building $318,650
2023	$35.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$386,749 Land $40,000 Building $346,749	$386,749 Land $40,000 Building $346,749

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

Flood

FEMA maps place 3502 Whispering Oaks 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	5 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

Wildfire risk around 3502 Whispering Oaks is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.03% 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 356 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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