405 Roca Trl, Belton, TX 76513 Property Records

Bell County property record for 405 Roca Trl, Belton, TX 76513

Property Summary

Property Type	Single Family Home
Details	2,847 sqft · built 2019
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Tax Bill	$13,049 (2023)
Deeds & Mortgages	Jun 2022 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0361571763`

Property Details

APN / Parcel Number

Primary APN	`0361571763`
Alternative APNs	`470817` `864167`

Interior

Stories	2 Stories
Building Area	2,847 sqft Living Area
1st Floor Area	2,355 sqft
2nd Floor Area	492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Lot Area	23,087 sqft (0.53 acres)
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	414 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	864167
Street Address	405 ROCA TRL
City	BELTON
State	TX
Zip	76513-9803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RANCHO DEL LAGO, BLOCK 005, LOT 0003, 0.530AC 0.530AC
Legal Subdivision	RANCHO DEL LAGO
Legal Block	5
Legal Lot Number	3
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	3
Census Block	3016
Census Tract	20201

Owner

Source: Bell County records, as of April 1, 2024

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
Co-owner	Co-owner on Record
Mailing Address	405 ROCA TRL, BELTON, TX 76513-9803
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Vendor's Lien, Transfer · Conventional Mortgage CADENCE BANK NA
Aug 28, 2019	Grant Deed, Subdivision Related Transfer GUARANTEED RATE
Nov 21, 2018	Warranty Deed, Transfer BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022
Deed Sale	Jun 14, 2022
Prior Sale	Aug 28, 2019
Deed Document Number	2022038052
Record Updated	Jun 7, 2026

June 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jun 14, 2022
Property Address	405 ROCA TRL, BELTON, TX 76513-9803
Document Number	0000038052
Instrument Date	Jun 13, 2022
Instrument	2022038052
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	NOT AVAILABLE, TRANSFORMATION T&E

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 ROCA TRL, BELTON, TX 76513-9803

Mortgage

Document Number	0000038053
Date	Jun 14, 2022
Instrument	2022038053

Lender

Name	CADENCE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2032
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.87%

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	BELL TX
Recording Date	Aug 28, 2019
Property Address	405 ROCA TRL, BELTON, TX 76513-9803
Document Number	0000038806
Book / Page	010978 / 000441
Instrument Date	Aug 27, 2019
Instrument	38806
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 ROCA TRL BELTON TX 765139803, BELTON, TX 76513-9803

Mortgage

Document Number	38807
Date	Aug 28, 2019
Book Page	010978/000444
Instrument	38807

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Nov 21, 2018
Property Address	405 ROCA TRL, BELTON, TX 76513-9803
Document Number	0000048392
Instrument Date	Nov 8, 2018
Instrument	48392
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	50 S WHEAT RD BELTON TX 765138220, BELTON, TX 76513-8220
Investor	Possibly a Property Investor

Mortgage

Document Number	48393
Date	Nov 21, 2018
Instrument	48393

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Nov 20, 2020

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Morgan's Point Resort City
Unified School District	Belton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$13,049.00 (+0.29%) Homeowner's exemption	$693,883 Land $69,260 Building $624,623	$693,883 Land $69,260 Building $624,623
2022	$13,011.00

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	6 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	Moderate above 52% of the US · lower than 71% of Texas
Wildfire Likelihood	0.09% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50

May also be available: Altitude ISP, Nextlink, T-Mobile, Verizon.

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