403 Kayla St, Troy, TX 76579 Property Records

Bell County property record for 403 Kayla St, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	1,837 sqft · built 2016
Lot Size	0.205 acres (8,925 sqft)
Owner	Individual Name on Record
Last Sale	$283,900 (Jan 2021)
Tax Bill	$2,436 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0375863543`

Property Details

APN / Parcel Number

Primary APN	`0375863543`
Alternative APNs	`394762` `825581`

Interior

Stories	1 Story
Building Area	1,837 sqft Living Area
1st Floor Area	1,837 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	8,925 sqft (0.205 acres)
Lot Dimensions	128 ft deep x 70 ft wide
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	170 sqft

Location & Zoning

Street Address	403 KAYLA ST
City	TROY
State	TX
Zip	76579-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIVE AND ONE ADDITION, BLOCK 007, LOT 0009
Legal Subdivision	FIVE AND ONE ADDITION
Legal Block	7
Legal Lot Number	9
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2023
Census Tract	20102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 KAYLA ST, TROY, TX 76579-2823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXELL CU
Jan 14, 2021	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 27, 2017	Warranty Deed, Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Mar 27, 2017 · Amount on Record
Deed Document Number	20212539
Prior Transfer Date	Jan 13, 2021
Prior Transfer Doc	0000002539
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	403 KAYLA ST, TROY, TX 76579-2823
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008819
Date	Mar 1, 2024
Instrument	2024008819

Lender

Name	TEXELL CU
Type	Credit Union
Address	TEMPLE, TX 76501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2039

January 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jan 14, 2021
Property Address	403 KAYLA ST, TROY, TX 76579-2823
Document Number	0000002539
Map Reference	CAB D SL 182-C&D
Instrument Date	Jan 13, 2021
Instrument	2021002539
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	MONTEITH ABSTRACT & TTL CO T

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 KAYLA ST, 403, TROY, TX 76579-2823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 KAYLA ST, TROY, TX 76579-2823

Mortgage

Document Number	0000002540
Date	Jan 14, 2021
Instrument	2021002540

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Mortgage

Document Number	0000002541
Date	Jan 14, 2021
Instrument	2021002541

Lender

Name	TEXAS DEPARTMENT OF HOUSING AND COMMUNIT
Type	Non-Lending Institution
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	403 KAYLA ST, TROY, TX 76579-2823
Document Number	0000045410
Instrument Date	Jul 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 KAYLA ST TROY TX 765792823, TROY, TX 76579-2823

Mortgage

Document Number	0000045410
Date	Aug 27, 2020
Instrument	45410

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Aug 26, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Mar 27, 2017
Property Address	403 KAYLA ST, TROY, TX 76579-2823
Document Number	0000011627
Map Reference	CAB D SL182-C&D
Instrument Date	Mar 22, 2017
Instrument	2017-00011627
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 KAYLA ST, TROY, TX 76579-2823

Mortgage

Document Number	0000011628
Date	Mar 27, 2017
Instrument	2017-00011628

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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

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	$2,436.00 (-25.89%)	$274,268 (-8.71%) Land $38,000 Building $236,268	$274,268 (-8.71%) Land $38,000 Building $236,268
2023	$3,287.00 (-24.78%) Homeowner's exemption Senior Citizen's exemption	$300,442 Land $32,000 Building $268,442	$300,442 Land $32,000 Building $268,442
2022	$4,370.00

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 358 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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