405 S Central Ave, Troy, TX 76579 Property Records

Bell County property record for 405 S Central Ave, Troy, TX 76579

Property Summary

Property Type	Commercial
Details	1 ba · 1,301 sqft · built 1985
Lot Size	0.23 acres (9,997 sqft)
Owner	Company Name on Record
Last Sale	$117,040 (Dec 2024)
Tax Bill	$1,768 (2025)
Deeds & Mortgages	Nov 2025 Construction Loan May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0375950000`

Property Details

APN / Parcel Number

Primary APN	`0375950000`
Alternative APNs	`106524` `754204`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,301 sqft Gross Area
1st Floor Area	1,301 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,997 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
View / Lot	Commercial
Porch	Open Porch
Porch Area	576 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	405 S CENTRAL AVE
City	TROY
State	TX
Zip	76579-2566
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	SF
Legal Description	C E MAEDGENS ADDITION, BLOCK 002, LOT 0002, CARD SHARK SPORTS CARD TRADE CENTER
Legal Subdivision	C E MAEDGENS ADDITION
Legal Block	2
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2031
Census Tract	20102

Owner

Source: Bell County records, as of May 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4605 HIGH POINTE DR, TEMPLE, TX 76502-3754
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Construction Mortgage VERABANK NA
May 19, 2022	Special Warranty Deed, Transfer
Apr 27, 2021	Vendor's Lien, Transfer · Commercial Mortgage PATRICIA FISHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2024 · Amount on Record
Deed Sale	Dec 18, 2024 · Amount on Record
Prior Sale	Apr 27, 2021 · Amount on Record
Deed Document Number	202456025
Prior Transfer Date	Apr 23, 2021
Prior Transfer Doc	0000025457
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	405 S CENTRAL AVE, TROY, TX 76579-2566
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	CENTRALAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 HIGH POINTE DR, TEMPLE, TX 76502-3754

Mortgage

Document Number	0000054868
Date	Nov 6, 2025
Instrument	2025054868

Lender

Name	VERABANK NA
Type	Bank
Address	HARKER HEIGHTS, TX 76548

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	186 Months
Due	May 5, 2041

Interest

Rate Type	Adjustable Rate

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL TX
Recording Date	May 19, 2022
Property Address	405 S CENTRAL AVE, TROY, TX 76579-2566
Document Number	0000032042
Map Reference	VOL 183 PG 170
Instrument Date	May 4, 2022
Instrument	2022032042
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9710 FM 935, TROY, TX 76579-3209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7479 OLD HOWARD RD, TEMPLE, TX 76504-4874

April 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 27, 2021
Property Address	405 S CENTRAL AVE, TROY, TX 76579-2566
Document Number	0000025457
Map Reference	VOL 183 PG 170
Instrument Date	Apr 23, 2021
Instrument	2021025457
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7479 OLD HOWARD RD, TEMPLE, TX 76504-4874

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 BLAYTON ST, TROY, TX 76579-2674

Mortgage

Document Number	0000025458
Date	Apr 27, 2021
Instrument	2021025458

Lender

Name	PATRICIA FISHER
Type	Private Party
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	23 Months
Due	Mar 2, 2023

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	$1,768.00 (+1.09%)	$124,988 (+19.88%) Land $22,993 Building $101,995	$124,988 (+19.88%) Land $22,993 Building $101,995
2023	$1,749.00 (+106.74%)	$104,261 Land $7,498 Building $96,763	$104,261 Land $7,498 Building $96,763
2022	$846.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% 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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