413 Emerald Ridge Dr, Temple, TX 76502 Property Records

Bell County property record for 413 Emerald Ridge Dr, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	1,425 sqft · built 2011
Lot Size	0.142 acres (6,186 sqft)
Owner	Company Name on Record
Tax Bill	$5,740 (2023)
Deeds & Mortgages	Aug 2021 Sale May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0956550564`

Property Details

APN / Parcel Number

Primary APN	`0956550564`
Alternative APNs	`386004` `845882`

Interior

Stories	1 Story
Building Area	1,425 sqft Living Area
1st Floor Area	1,425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	107 ft deep x 58 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	63 sqft

Location & Zoning

Account Number	845882
Street Address	413 EMERALD RIDGE DR
City	TEMPLE
State	TX
Zip	76502-6430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTFIELD DEVELOPMENT PHASE III, BLOCK 013, LOT 0002
Legal Subdivision	WESTFIELD DEVELOPMENT PHASE III
Legal Block	13
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1037
Census Tract	20302

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	Company Name on Record
Mailing Address	3900 S PEA RIDGE RD, TEMPLE, TX 76502-5424
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Special Warranty Deed, Transfer
May 17, 2021	Vendor's Lien, Transfer · Stand-Alone First Mortgage RICHARD URDIALES
Jun 29, 2018	Vendor's Lien, Transfer · ARM EXTRACO BANKS NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2021
Deed Sale	Aug 20, 2021
Prior Sale	May 17, 2021
Deed Document Number	2021053857
Record Updated	Jun 7, 2026

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL TX
Recording Date	Aug 20, 2021
Property Address	413 EMERALD RIDGE DR, TEMPLE, TX 76502-6430
Document Number	0000053857
Map Reference	CAB D SL 117-A
Instrument Date	Aug 5, 2021
Instrument	2021053857
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 S PEA RIDGE RD, 3900, TEMPLE, TX 76502-5424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 S PEA RIDGE RD, TEMPLE, TX 76502-5424

May 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	May 17, 2021
Property Address	413 EMERALD RIDGE DR, TEMPLE, TX 76502-6430
Document Number	0000030397
Map Reference	CAB D SL 117-A
Instrument Date	May 13, 2021
Instrument	2021030397
Transaction Type	Transfer
Record Updated	Nov 15, 2022
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
Address	413 EMERALD RIDGE DR, 413, TEMPLE, TX 76502-6430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 SOUTH PL RIDGE ROAD, TEMPLE, TX 76502

Mortgage

Document Number	0000030398
Date	May 17, 2021
Instrument	2021030398

Lender

Name	RICHARD URDIALES
Type	Private Party
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jun 29, 2018
Property Address	413 EMERALD RIDGE DR, TEMPLE, TX 76502-6430
Document Number	0000026938
Map Reference	CAB D SL17-A
Instrument Date	Jun 12, 2018
Instrument	2018-00026938
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 EMERALD RIDGE DR, TEMPLE, TX 76502-6430

Mortgage

Document Number	0000026939
Date	Jun 29, 2018
Instrument	2018-00026939

Lender

Name	EXTRACO BANKS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.7%
Index	1-Year CMT
Max Rate	8.7%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,740.00 (+0.79%)	$250,082 Land $32,000 Building $218,082	$250,082 Land $32,000 Building $218,082
2022	$5,695.00

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	3 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	Not rated no burnable land within 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 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 337 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
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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