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401 Ow Lowrey, Salado, TX 76571 Property Records

Bell County property record for 401 Ow Lowrey, Salado, TX 76571

Property Summary

Property TypeSingle Family Home
Details2,104 sqft · built 2003
Lot Size0.639 acres (27,878 sqft)
Owner2 Individual Names on File
Tax Bill$4,812 (2023)
Deeds & MortgagesAug 2022 Mortgage
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN0403660700

Property Details

APN / Parcel Number

Primary APN0403660700
Alternative APNs
  • 207137
  • 809869

Interior

Stories1 Story
Building Area2,104 sqft Living Area
1st Floor Area2,104 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Exterior MaterialStone
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area27,878 sqft (0.639 acres)
Lot Dimensions200 ft deep x 205 ft wide
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area306 sqft
Storage Building80 sqft
Lawn SprinklersLawn Sprinklers

Location & Zoning

Account Number809869
Street Address401 OW LOWREY
CitySALADO
StateTX
Zip76571-5566
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMILL CREEK SPRINGS, BLOCK 001, LOT 0001, ACRES .64
Legal SubdivisionMILL CREEK SPRINGS
Legal Block1
Legal Lot Number1
JurisdictionBELL TX
Township / Civil DivisionSOUTH BELL
Census Block Group2
Census Block2011
Census Tract23405

Owner

Source: Bell County records, as of April 1, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address401 OW LOWREY, SALADO, TX 76571-5566
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2022Deed of Trust, Mortgage · Conventional Mortgage
DISCOVER BANK
Jul 21, 2020Deed of Trust, Mortgage
THRIVE MTG LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 30, 2016
Deed SaleNov 30, 2016
Prior SaleJun 20, 2016
Deed Document Number2016-00048058
Record UpdatedJun 7, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELL TX
Property Address401 OW LOWREY, SALADO, TX 76571-5566
Transaction TypeMortgage
Record UpdatedAug 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000051849
DateAug 16, 2022
Instrument2022051849
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 16, 2052

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELL TX
Property Address401 OW LOWREY, SALADO, TX 76571-5566
Document Number0000039426
Instrument DateJul 21, 2020
Transaction TypeMortgage
Record UpdatedMay 25, 2021
Title CompanyMONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address401 OW LOWREY SALADO TX 765715566, SALADO, TX 76571-5566

Mortgage

Document Number0000039426
DateAug 3, 2020
Instrument39426
Lender
NameTHRIVE MTG LLC
AddressGEORGETOWN, TX 78633
Agreement
AmountAmount on Record
Term360 Months
DueAug 2, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTexas
CountyBell County
Unified School DistrictSalado Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$4,812.00 (-14.51%) Homeowner's exemption$468,670 Land $90,000 Building $378,670$468,670 Land $90,000 Building $378,670
2022$5,629.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 47 policies
Nearby Flood Policies47 in force
Nearby Flood Claims3 (2010–2015)
Claims Outside the SFHA2 of 3
Most Recent ClaimOct 2015 · 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 RiskModerate
above 46% of the US · lower than 80% of Texas
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 SystemSALADO WSC
serves 11,460 people · EPA ID TX0140035
Water SourcePurchased surface water from several systems
Last State InspectionFeb 2026
Lead5 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 139 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Astound Broadband
Cable		1,500 / 50
Altitude ISP
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
SOS Communications
Fixed Wireless		100 / 20

May also be available: Brightspeed, Falcon Internet, Heritage Broadband, Nextlink, Western Broadband.

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