Bell County property record for 405 Downing St, Belton, TX 76513
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,020 sqft · built 1963 |
| Lot Size | 0.457 acres (19,911 sqft) |
| Owner | Individual Name on File |
| Last Sale | $166,650 (Sep 2026) |
| Tax Bill | $5,557 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0275620000 |
| Primary APN | 0275620000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,020 sqft Living Area |
| 1st Floor Area | 2,020 sqft |
| Utility Area | 44 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,911 sqft (0.457 acres) |
| Lot Dimensions | 171 ft deep x 118 ft wide |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 350 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 DOWNING ST |
|---|---|
| City | BELTON |
| State | TX |
| Zip | 76513-2049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORMAN PLACE SUBDIVISION UNIT ONE, BLOCK 001, LOT 0003 |
| Legal Subdivision | NORMAN PLACE SUBDIVISION UNIT ONE |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | BELL TX |
| Township / Civil Division | BELTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 21702 |
405 Downing St is owned and occupied by an individual who bought it in September 2026.
Source: Bell County records, as of September 22, 2026
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Sep 3, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 4, 2021 | Vendor's Lien, Transfer · VA Mortgage USAA FSB |
| May 18, 2017 | Deed of Trust, Mortgage · Reverse Mortgage FIRST NATIONAL BANK TEXAS |
| Mar 26, 2021 | Special Warranty Deed, Transfer MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO |
| May 31, 2019 | Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2026 · Amount on File |
| Deed Sale | Sep 3, 2026 · Amount on File |
| Prior Sale | Sep 5, 2023 |
| Deed Document Number | 202644787 |
| Prior Transfer Date | May 4, 2021 |
| Prior Transfer Doc | 0000027517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Sep 3, 2026 |
| Property Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000044787 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202644787 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000044788, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 202644788 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | May 4, 2021 |
| Property Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000027517 |
| Map Reference | CAB A SL 145-B |
| Instrument Date | May 4, 2021 |
| Instrument | 2021027517 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO K |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1725 MOUNTAIN RIDGE DR, 1725, BELTON, TX 76513-9447 |
| Name | Verified Name |
|---|---|
| Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000027518 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 2021027518 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000020149 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 2017-00020149 |
| Name | FIRST NATIONAL BANK TEXAS |
|---|---|
| Type | Bank |
| Address | KILLEEN, TX 76540 |
| Type | Reverse Mortgage |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Mar 26, 2021 |
| Property Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000018218 |
| Map Reference | CAB A SL 145 |
| Instrument Date | Mar 18, 2021 |
| Instrument | 2021018218 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2021 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1804 PECAN CREEK ST, 1804, TEMPLE, TX 76504-4413 |
| Name | Verified Name |
|---|---|
| Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | May 31, 2019 |
| Property Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000022990 |
| Map Reference | CAB A SL 145-B |
| Instrument Date | May 30, 2019 |
| Instrument | 2019-00022990 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 DOWNING ST, BELTON, TX 76513-2049 |
| Document Number | 0000022991 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 2019-00022991 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 405 Downing St was $5,557.
Source: Bell County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Belton City |
| Unified School District | Belton Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,557.00 | $382,446 Land $46,991 Building $335,455 | $382,446 Land $46,991 Building $335,455 |
| 2023 | $5,872.00 (-12.31%) Homeowner's exemption | $357,200 Land $36,039 Building $321,161 | $357,200 Land $36,039 Building $321,161 |
| 2022 | $6,696.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Downing St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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 405 Downing St 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 93% of the US · lower than 96% 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 BELTON serves 23,054 people · EPA ID TX0140002 |
|---|---|
| Water Source | Purchased surface water from BELL COUNTY WCID 1 |
| Last State Inspection | Dec 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures