3502 White Oak Dr, Temple, TX 76502 Property Records

Bell County property record for 3502 White Oak Dr, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	3,416 sqft · built 1994
Lot Size	0.285 acres (12,420 sqft)
Owner	Company Name on Record
Tax Bill	$13,154 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0138950738`

Property Details

APN / Parcel Number

Primary APN	`0138950738`
Alternative APNs	`860885` `68596`

Interior

Stories	2 Stories
Building Area	3,416 sqft Living Area
1st Floor Area	1,598 sqft
2nd Floor Area	1,818 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,420 sqft (0.285 acres)
Lot Dimensions	135 ft deep x 92 ft wide
Garage Area	945 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	860885
Street Address	3502 WHITE OAK DR
City	TEMPLE
State	TX
Zip	76502-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF1
Legal Description	WILLOW RIDGE SUBDIVISION PHASE III REPLAT, BLOCK 006, LOT 0001
Legal Subdivision	WILLOW RIDGE SUBDIVISION PHASE III REPLA
Legal Block	6
Legal Lot Number	1
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1002
Census Tract	21302

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	Company Name on Record
Mailing Address	3205 WHITE OAK DR, TEMPLE, TX 76502-3025
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 7, 2019	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
May 10, 2017	Trustee's Deed, Construction Loan · Construction Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2022
Deed Sale	Jan 19, 2022
Prior Sale	Jun 7, 2019
Deed Document Number	2022003545
Record Updated	Jun 7, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Jan 19, 2022
Property Address	3502 WHITE OAK DR, TEMPLE, TX 76502-3604
Document Number	0000003545
Instrument Date	Jan 10, 2022
Instrument	2022003545
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TEXAS TITLE THE PEARSON FIRM

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18125 WEDGE PKWY217, 18125, RENO, NV 89511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 MORGANS POINT RD STE 103, 103, BELTON, TX 76513-6886
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003500
Date	Jan 19, 2022
Instrument	2022003500

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

June 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jun 7, 2019
Property Address	3502 WHITE OAK DR, TEMPLE, TX 76502-3604
Document Number	0000024191
Map Reference	CAB B SL 27-B
Instrument Date	Jun 5, 2019
Instrument	2019-00024191
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 WHITE OAK DR, TEMPLE, TX 76502-3025

Mortgage

Document Number	0000024192
Date	Jun 7, 2019
Instrument	2019-00024192

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BELL TX
Recording Date	May 10, 2017
Property Address	3502 WHITE OAK DR, TEMPLE, TX 76502-3604
Instrument Date	May 3, 2017
Instrument	18788
Transaction Type	Construction Loan
Record Updated	Aug 20, 2018
Title Company	CENTRALAND TITLE COMPANY, CENTRALAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3502 WHITE OAK DR TEMPLE TX 765023604, TEMPLE, TX 76502-3604

Mortgage

Document Number	0000018788
Date	May 10, 2017
Instrument	18788

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	AUSTIN, TX 78701-1496

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 9, 2037

Tax Assessment & Valuation

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

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
2023	$13,154.00 (-2.04%) Homeowner's exemption	$671,606 Land $22,000 Building $649,606	$671,606 Land $22,000 Building $649,606
2022	$13,428.00

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2026)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jun 2026 · rainfall accumulation

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 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 35
Nextlink Fixed Wireless	500 / 100

May also be available: Altitude ISP.

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