Bell County property record for 404 Rain Cloud Trl, Harker Heights, TX 76548
| Property Type | Single Family Home |
|---|---|
| Details | 1,942 sqft · built 2004 |
| Lot Size | 0.173 acres (7,562 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0912880435 |
| Primary APN | 0912880435 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,942 sqft Living Area |
| 1st Floor Area | 1,942 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Reinforced Concrete |
| Lot Area | 7,562 sqft (0.173 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 227 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Account Number | 759059 |
|---|---|
| Street Address | 404 RAIN CLOUD TRL |
| City | HARKER HEIGHTS |
| State | TX |
| Zip | 76548-7464 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SKIPCHA MOUNTAIN ESTATES PHASE FIFTEEN, BLOCK 002, LOT 0014 |
| Legal Subdivision | SKIPCHA MOUNTAIN ESTATES PHASE FIFTEEN |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | BELL TX |
| Township / Civil Division | KILLEEN |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 21906 |
404 Rain Cloud Trl is owned and occupied by an individual who acquired it in September 2020.
Source: Bell County records, as of November 9, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 404 RAIN CLOUD TRL, HARKER HEIGHTS, TX 76548-7464 |
| 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.
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 18, 2020 | Vendor's Lien, Transfer · VA Mortgage PARAMOUNT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2020 |
| Deed Sale | Sep 18, 2020 |
| Prior Sale | Dec 12, 2012 |
| Deed Document Number | 2020-00050346 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 404 RAIN CLOUD TRL, HARKER HEIGHTS, TX 76548-7464 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 404 RAIN CLOUD TRL, HARKER HEIGHTS, TX 76548-7464 |
| Document Number | 0000002208 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 2026002208 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Sep 18, 2020 |
| Property Address | 404 RAIN CLOUD TRL, HARKER HEIGHTS, TX 76548-7464 |
| Document Number | 0000050346 |
| Map Reference | CAB C SL 366-C&D |
| Instrument Date | Sep 16, 2020 |
| Instrument | 2020-00050346 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | FIRST COMMUNITY TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16865 GRANDVIEW ST, 16865, STILWELL, KS 66085-9377 |
| Name | Verified Name |
|---|---|
| Address | 404 RAIN CLOUD TRL, HARKER HEIGHTS, TX 76548-7464 |
| Document Number | 0000050347 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020-00050347 |
| Name | PARAMOUNT BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Bell County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Harker Heights City |
| Unified School District | Killeen Independent School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $282,315 Land $38,000 Building $244,315 | $282,315 Land $38,000 Building $244,315 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Rain Cloud Trl 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 | 8 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 404 Rain Cloud Trl is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of Texas |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 457 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Astound Broadband Fiber | 1,500 / 1,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: FiberFirst, Nextlink.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures