3938 Bella Vista Loop, Harker Heights, TX 76548 Property Records

Bell County property record for 3938 Bella Vista Loop, Harker Heights, TX 76548

Property Summary

Property Type	Single Family Home
Details	2,947 sqft · built 2004
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$458,490 (Oct 2025)
Tax Bill	$7,694 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0661091772`

Property Details

APN / Parcel Number

Primary APN	`0661091772`
Alternative APNs	`350912` `828081`

Interior

Stories	2 Stories
Building Area	2,947 sqft Living Area
1st Floor Area	1,255 sqft
2nd Floor Area	1,692 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Roof Type	Hip
Lot Area	30,492 sqft (0.7 acres)
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	222 sqft
Storage Building	64 sqft
Lawn Sprinklers	Lawn Sprinklers

Location & Zoning

Street Address	3938 BELLA VISTA LOOP
City	HARKER HEIGHTS
State	TX
Zip	76548-8719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA VISTA ESTATES, BLOCK 001, LOT 0019, ACRES .7
Legal Subdivision	BELLA VISTA ESTATES
Legal Block	1
Legal Lot Number	19
Jurisdiction	BELL TX
Township / Civil Division	KILLEEN
Census Block Group	1
Census Block	1013
Census Tract	21908

Owner

3938 Bella Vista Loop is owned and occupied by two individuals who bought it in October 2025.

Source: Bell County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 31, 2025	Vendor's Lien, Transfer · VA Mortgage FIRST NATIONAL BANK TEXAS
Sep 3, 2021	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 30, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 25, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Sep 3, 2021 · Amount on File
Deed Document Number	202553917
Prior Transfer Date	Aug 30, 2021
Prior Transfer Doc	0000057332
Record Updated	Sep 20, 2026

October 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Oct 31, 2025
Property Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719
Document Number	0000053917
Map Reference	CAB C SL 372-A
Instrument Date	Oct 28, 2025
Instrument	2025053917
Transaction Type	Transfer
Record Updated	Apr 3, 2026
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719

Mortgage

Document Number	0000053918
Date	Oct 31, 2025
Instrument	2025053918

Lender

Name	FIRST NATIONAL BANK TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Sep 3, 2021
Property Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719
Document Number	0000057332
Map Reference	CAB C SL 372-A
Instrument Date	Aug 30, 2021
Instrument	2021057332
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	TEXAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719

Mortgage

Document Number	0000057333
Date	Sep 3, 2021
Instrument	2021057333

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CONCIERGE TITLE OF TEXAS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038520
Date	Jul 30, 2020
Instrument	2020-00038520

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	May 25, 2017
Property Address	3938 BELLA VISTA LOOP, HARKER HEIGHTS, TX 76548-8719
Document Number	0000021447
Instrument Date	May 18, 2017
Instrument	21447
Transaction Type	Transfer
Record Updated	Jun 7, 2017
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3938 BELLA VISTA LOOP HARKER HEIGHTS TX 765488719, HARKER HEIGHTS, TX 76548-8719

Mortgage

Document Number	21448
Date	May 25, 2017
Instrument	21448

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3938 Bella Vista Loop was $7,694, up 130.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,694.00 (+130.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$426,067 Land $45,128 Building $380,939	$426,067 Land $45,128 Building $380,939
2024	$3,334.00
2023		$472,680 Land $45,128 Building $427,552	$472,680 Land $45,128 Building $427,552
2021	$6,735.00

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

Flood

FEMA maps place 3938 Bella Vista Loop 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	4 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 3938 Bella Vista Loop is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 HARKER HEIGHTS serves 35,957 people · EPA ID TX0140023
Water Source	Purchased surface water from BELL COUNTY WCID 1
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Brightspeed DSL	140 / 20

May also be available: Nextlink, Verizon, Western Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bella Vista Loop

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