Bell County property record for 3910 Whispering Oaks, Temple, TX 76504
| Property Type | Single Family Home |
|---|---|
| Details | 2,225 sqft · built 2017 |
| Lot Size | 0.21 acres (9,164 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $238,200 (Jan 2022) |
| Tax Bill | $5,442 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0138199117 |
| Primary APN | 0138199117 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,225 sqft Living Area |
| 1st Floor Area | 2,225 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 9,164 sqft (0.21 acres) |
| Lot Dimensions | 149 ft deep x 62 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 83 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Street Address | 3910 WHISPERING OAKS |
|---|---|
| City | TEMPLE |
| State | TX |
| Zip | 76504-2109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING OAKS PHASE II, BLOCK 001, LOT 0002, 0.211AC |
| Legal Subdivision | WHISPERING OAKS PHASE II |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | BELL TX |
| Township / Civil Division | TEMPLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21201 |
3910 Whispering Oaks is owned and occupied by two individuals who bought it in January 2022.
Source: Bell County records, as of February 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3910 WHISPERING OAKS, TEMPLE, TX 76504-2109 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2022 | Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 29, 2017 | Grant Deed, Subdivision Related Transfer · VA Mortgage FIRST ST BK/CTRL TX |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2022 · Amount on File |
| Deed Sale | Jan 13, 2022 · Amount on File |
| Prior Sale | Sep 29, 2017 · Amount on File |
| Deed Document Number | 20222514 |
| Prior Transfer Date | Jan 12, 2022 |
| Prior Transfer Doc | 0000002514 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Jan 13, 2022 |
| Property Address | 3910 WHISPERING OAKS, TEMPLE, TX 76504-2109 |
| Document Number | 0000002514 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 2022002514 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2022 |
| Title Company | NOT AVAILABLE, TRANSFORMATION T&E |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3910 WHISPERING OAKS, 3910, TEMPLE, TX 76504-2109 |
| Name | Verified Name |
|---|---|
| Address | 3910 WHISPERING OAKS, TEMPLE, TX 76504-2109 |
| Document Number | 0000002515 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 2022002515 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Sep 29, 2017 |
| Property Address | 3910 WHISPERING OAKS, TEMPLE, TX 76504-2109 |
| Document Number | 0000041193 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 41193 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 1, 2018 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3910 WHISPERING OAKS TEMPLE TX 765042109, TEMPLE, TX 76504-2109 |
| Document Number | 41194 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 41194 |
| Name | FIRST ST BK/CTRL TX |
|---|---|
| Type | Bank |
| Address | HARKER HEIGHTS, TX 76548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2047 |
The 2025 property tax bill for 3910 Whispering Oaks was $5,442 with exemptions applied.
Source: Bell County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Temple City |
| Unified School District | Temple Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,442.00 | $365,304 Land $50,000 Building $315,304 | $365,304 Land $50,000 Building $315,304 |
| 2023 | $6,705.00 (+72.23%) Homeowner's exemption Senior Citizen's exemption | $383,211 Land $40,000 Building $343,211 | $383,211 Land $40,000 Building $343,211 |
| 2022 | $3,893.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3910 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.
The area around 3910 Whispering Oaks has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 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 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Nextlink, Verizon.
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