Bell County property record for 4012 Whispering Oaks, Temple, TX 76504
| Property Type | Single Family Home |
|---|---|
| Details | 1,931 sqft · built 2004 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,151 (2023) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0808045509 |
| Primary APN | 0808045509 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,931 sqft Living Area |
| 1st Floor Area | 1,931 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Lot Area | 7,802 sqft (0.179 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 188 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Account Number | 581408 |
|---|---|
| Street Address | 4012 WHISPERING OAKS |
| City | TEMPLE |
| State | TX |
| Zip | 76504-2138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LIBERTY HILL PHASE I, BLOCK 004, LOT 0013 |
| Legal Subdivision | LIBERTY HILL PHASE I |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | BELL TX |
| Township / Civil Division | TEMPLE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21201 |
4012 Whispering Oaks is owned and occupied by two individuals.
Source: Bell County records, as of April 1, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4012 WHISPERING OAKS, TEMPLE, TX 76504-2138 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0005633442 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 4012 WHISPERING OAKS, TEMPLE, TX 76504-2138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005476 |
|---|---|
| Date | Feb 13, 2019 |
| Instrument | 2019-00005476 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2034 |
Source: Bell County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $3,151.00 (-19.51%) Homeowner's exemption | $296,600 Land $32,000 Building $264,600 | $296,600 Land $32,000 Building $264,600 |
| 2022 | $3,915.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4012 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 | 1 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 risk around 4012 Whispering Oaks is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 88% of Texas |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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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