401 Oxford Ln, Troy, TX 76579 Property Records

Bell County property record for 401 Oxford Ln, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	1,378 sqft · built 2023
Lot Size	0.218 acres (9,514 sqft)
Owner	Individual Name on File
Tax Bill	$3,229 (2024)
Deeds & Mortgages	Oct 2024 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0681643927`

Property Details

APN / Parcel Number

Primary APN	`0681643927`
Alternative APN	`511792`

Interior

Stories	1 Story
Building Area	1,378 sqft Living Area

Exterior

Year Built	Built 2023
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,514 sqft (0.218 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 OXFORD LN
City	TROY
State	TX
Zip	76579-3913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTONWOOD CREEK PHASE I, BLOCK 001, LOT 0034
Legal Subdivision	COTTONWOOD CREEK PHASE I
Legal Phase	1
Legal Block	1
Legal Lot Number	34
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	1
Census Block	1005
Census Tract	20101

Owner

401 Oxford Ln is owned and occupied by an individual who acquired it in August 2023.

Source: Bell County records, as of January 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	401 OXFORD LN, TROY, TX 76579-3913
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
Oct 16, 2024	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 11, 2023	Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 14, 2023	Vendor's Lien, Transfer · Commercial Mortgage CENTRAL NATIONAL BANK
Apr 14, 2023	Vendor's Lien, Transfer · Commercial Mortgage CENTRAL NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023
Deed Sale	Aug 11, 2023
Prior Sale	Apr 14, 2023
Deed Document Number	2023036075
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	401 OXFORD LN, TROY, TX 76579-3913
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	PRIORITY SETTLEMENT GROUP/TX LLC, PRIORITY SETTLEENT GROUP OF

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 OXFORD LN, TROY, TX 76579-3913

Mortgage

Document Number	0000045455
Date	Oct 16, 2024
Instrument	2024045455

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

August 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Aug 11, 2023
Property Address	401 OXFORD LN, TROY, TX 76579-3913
Document Number	0000036075
Map Reference	DOC 2022000271A&B
Instrument Date	Aug 11, 2023
Instrument	2023036075
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	CENTRALAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7353 W ADAMS AVE, TEMPLE, TX 76502-5539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 OXFORD LN, TROY, TX 76579-3913

Mortgage

Document Number	0000036076
Date	Aug 11, 2023
Instrument	2023036076

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 14, 2023
Property Address	OXFORD LN, TROY, TX 76579
Document Number	0000015477
Map Reference	DOC 2022000271A&B
Instrument Date	Apr 13, 2023
Instrument	2023015477
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	CENTRALAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 W 2ND ST # ST201, ST201, GEORGETOWN, TX 78626-2926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7353 W ADAMS AVE, TEMPLE, TX 76502-5539
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015478
Date	Apr 14, 2023
Instrument	2023015478

Lender

Name	CENTRAL NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 14, 2023
Property Address	401 OXFORD LN, TROY, TX 76579-3913
Document Number	0000015477
Map Reference	DOC 2022000271A&B
Instrument Date	Apr 13, 2023
Instrument	2023015477
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	CENTRALAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 W 2ND ST # ST201, ST201, GEORGETOWN, TX 78626-2926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7353 W ADAMS AVE, TEMPLE, TX 76502-5539
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015478
Date	Apr 14, 2023
Instrument	2023015478

Lender

Name	CENTRAL NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$245,114 Land $45,000 Building $200,114	$245,114 Land $45,000 Building $200,114
2024	$3,229.00 (+670.64%)
2023	$419.00	$31,500 Land $31,500	$31,500 Land $31,500

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

Flood

FEMA maps place 401 Oxford Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 401 Oxford Ln 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 TROY serves 4,367 people · EPA ID TX0140037
Water Source	Purchased surface water from CITY OF TEMPLE
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: Verizon.

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