406 Saddleback Trl, Killeen, TX 76542 Property Records

Bell County property record for 406 Saddleback Trl, Killeen, TX 76542

Property Summary

Property Type	Single Family Home
Details	1,521 sqft · built 2021
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$252,532 (Apr 2025)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0705457390`

Property Details

APN / Parcel Number

Primary APN	`0705457390`
Alternative APN	`496770`

Interior

Stories	1 Story
Building Area	1,521 sqft Living Area
1st Floor Area	1,521 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 SADDLEBACK TRL
City	KILLEEN
State	TX
Zip	76542-6902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUNCAN FARMS PHASE I, BLOCK 005, LOT 0025
Legal Subdivision	DUNCAN FARMS PHASE I
Legal Block	5
Legal Lot Number	25
Jurisdiction	BELL TX
Township / Civil Division	SOUTHWEST BELL
Census Block Group	2
Census Block	2000
Census Tract	23302

Owner

Source: Bell County records, as of September 15, 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	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING
Apr 22, 2025	Vendor's Lien, Transfer · VA Mortgage ARMED FORCES BANK NA
Jul 13, 2021	Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	202518891
Prior Transfer Date	Jun 17, 2021
Prior Transfer Doc	0000044297
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Recording Date	Sep 2, 2026
Property Address	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902
Document Number	0000044412
Instrument Date	Aug 27, 2026
Instrument	202644412
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	E TITLE LLC, ESSENT TITLE OF TEXAS LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902

Mortgage

Document Number	0000044412,
Date	Sep 2, 2026
Instrument	202644412

Lender

Name	UNITED MORTGAGE LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 22, 2025
Property Address	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902
Document Number	0000018891
Instrument Date	Apr 21, 2025
Instrument	2025018891
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	TEXAS NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4104 SILENE PL, LOVELAND, CO 80537-9150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902

Mortgage

Document Number	0000018892
Date	Apr 22, 2025
Instrument	2025018892

Lender

Name	ARMED FORCES BANK NA
Type	Bank
Address	OVERLAND PARK, KS 66210
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

July 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jul 13, 2021
Property Address	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902
Document Number	0000044297
Map Reference	DOC 2020-8A-B
Instrument Date	Jun 17, 2021
Instrument	2021044297
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 15, 2022
Title Company	DHI TITLE/CTRL TX, DHI TITLE OF CENTRAL TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SADDLEBACK TRL, KILLEEN, TX 76542-6902

Mortgage

Document Number	0000044298
Date	Jul 13, 2021
Instrument	2021044298

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Killeen City
Unified School District	Killeen Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,478.00 (-50.1%)	$252,015 (-5.2%) Land $46,000 Building $206,015	$252,015 (-5.2%) Land $46,000 Building $206,015
2023	$4,966.00 (+11.85%)	$265,826 Land $40,000 Building $225,826	$265,826 Land $40,000 Building $225,826
2022	$4,440.00

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	1 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 67% of the US · above 55% of Texas
Wildfire Likelihood	0.2% 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 KILLEEN serves 161,027 people · EPA ID TX0140006
Water Source	Purchased surface water from BELL COUNTY WCID 1
Last State Inspection	Apr 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: AT&T, Nextlink, Verizon.

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