Bell County property record for 411 Ow Lowrey, Salado, TX 76571
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,162 sqft · built 2000 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,459 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Feb 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0403660706 |
| Primary APN | 0403660706 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,162 sqft Living Area |
| 1st Floor Area | 2,162 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,958 sqft (0.55 acres) |
| Lot Dimensions | 201 ft deep x 120 ft wide |
| Garage Area | 645 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 369 sqft |
| Canopy | 128 sqft |
| Storage Building | 240 sqft |
| Street Address | 411 OW LOWREY |
|---|---|
| City | SALADO |
| State | TX |
| Zip | 76571-5566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILL CREEK SPRINGS, BLOCK 001, LOT 0003, ACRES .55 |
| Legal Subdivision | MILL CREEK SPRINGS |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | BELL TX |
| Township / Civil Division | SOUTH BELL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 23405 |
Source: Bell County records, as of February 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 7, 2018 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 24, 2022 | Warranty Deed, Transfer MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO S |
| Sep 22, 2020 | Vendor's Lien, Transfer · Conventional Mortgage UNIVERSITY FCU |
| Jun 19, 2017 | Warranty Deed, Transfer · VA Mortgage FIRST CHOICE LN SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2022 |
| Deed Sale | Oct 24, 2022 |
| Prior Sale | Apr 12, 2021 |
| Deed Document Number | 202265202 |
| Prior Transfer Date | Jul 16, 2012 |
| Prior Transfer Doc | 0000029071 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000042581 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 2019-00042581 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005069 |
|---|---|
| Date | Feb 7, 2018 |
| Instrument | 2018-00005069 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Oct 24, 2022 |
| Property Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Document Number | 0000065202 |
| Map Reference | MB C SL 160-A |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2022065202 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2022 |
| Title Company | MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO S |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 706 S FRONTIER LN, 706, CEDAR PARK, TX 78613-7385 |
| Name | Verified Name |
|---|---|
| Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Sep 22, 2020 |
| Property Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Document Number | 0000051060 |
| Map Reference | CAB C SL 160-A |
| Instrument Date | Sep 18, 2020 |
| Instrument | 2020-00051060 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2022 |
| Title Company | MONTEITH ABSTRACT & TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Investor | Possibly a Property Investor |
| Document Number | 0000051061 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020-00051061 |
| Name | UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Jun 19, 2017 |
| Property Address | 411 OW LOWREY, SALADO, TX 76571-5566 |
| Document Number | 0000025259 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 25259 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2017 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 411 OW LOWREY SALADO TX 765715566, SALADO, TX 76571-5566 |
| Document Number | 25260 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 25260 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | EAST BRUNSWICK, NJ 08816 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2047 |
Source: Bell County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Unified School District | Salado Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,459.00 (-15.63%) | $454,776 (-8.78%) Land $89,843 Building $364,933 | $454,776 (-8.78%) Land $89,843 Building $364,933 |
| 2023 | $6,470.00 (-22.98%) Homeowner's exemption Senior Citizen's exemption | $498,561 Land $90,000 Building $408,561 | $498,561 Land $90,000 Building $408,561 |
| 2022 | $8,400.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 47 policies |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 3 (2010–2015) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Oct 2015 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 80% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SALADO WSC serves 11,460 people · EPA ID TX0140035 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2026 |
| Lead | 5 ppb (2021–2023) 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Altitude ISP Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| SOS Communications Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Falcon Internet, Heritage Broadband, Nextlink, Western Broadband.
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