4235 E Business 190, Temple, TX 76501 Property Records

Bell County property record for 4235 E Business 190, Temple, TX 76501

Property Summary

Property Type	Commercial
Details	4,900 sqft · built 2020
Lot Size	9.76 acres (425,232 sqft)
Owner	Company Name on Record
Last Sale	$434,910 (Sep 2021)
Tax Bill	$6,986 (2025)
Deeds & Mortgages	Sep 2021 Transfer Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0459110009`

Property Details

APN / Parcel Number

Primary APN	`0459110009`
Alternative APNs	`392859` `843254`

Interior

Stories	1 Story
Building Area	4,900 sqft Gross Area
1st Floor Area	4,900 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Roof Type	Hip
Lot Area	425,232 sqft (9.76 acres)
View / Lot	Commercial
Canopy	1,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4235 E BUSINESS 190
City	TEMPLE
State	TX
Zip	76501
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	A0014BC M MORENO, 397-2, ACRES 3.254
Legal Subdivision	M MORENO
Legal Block	3
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	3
Census Block	3034
Census Tract	20900

Owner

Source: Bell County records, as of April 20, 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	4235 E BUSINESS 190, TEMPLE, TX 76501
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Intrafamily Transfer, Transfer ALLEGIANCE TITLE COMPANY
Jan 8, 2021	Deed of Trust, Mortgage PILGRIM MTG
Dec 18, 2020	Loan Modification, Mortgage FIRST NAT'L BK/TX
Jan 31, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST NAT'L BK/TX
Jan 23, 2020	Deed of Trust, Mortgage FIRST NAT'L BK/TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Deed Document Number	202162346
Record Updated	Jun 8, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL TX
Recording Date	Sep 23, 2021
Property Address	4235 E BUSINESS 190, TEMPLE, TX 76501
Document Number	0000062346
Instrument Date	Sep 14, 2021
Instrument	2021062346
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	ALLEGIANCE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3720 BOB WHITE RD, TEMPLE, TX 76501-7197

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4235 E BUSINESS 190, TEMPLE, TX 76501

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4235 E BUSINESS 190, TEMPLE, TX 76501
Document Number	0000002437
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	ORT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3720 BOB WHITE RD TEMPLE TX 765017197, TEMPLE, TX 76501-7197

Mortgage

Document Number	0000002437
Date	Jan 13, 2021
Instrument	2437

Lender

Name	PILGRIM MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78232

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	4235 E BUSINESS 190, TEMPLE, TX 76501
Document Number	0000002036
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3720 BOB WHITE RD TEMPLE TX 765017197, TEMPLE, TX 76501-7197

Mortgage

Document Number	0000002036
Date	Jan 12, 2021
Instrument	2036

Lender

Name	FIRST NAT'L BK/TX
Type	Bank
Address	KILLEEN, TX 76540

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 11, 2022

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BELL TX
Recording Date	Jan 31, 2020
Property Address	4235 E BUSINESS 190, TEMPLE, TX 76501
Document Number	0000004994
Instrument Date	Jan 23, 2020
Instrument	4994
Transaction Type	Construction Loan
Record Updated	Feb 1, 2021
Title Company	AMERICAN ABSTRACT CORPORATION, AMERICAN ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3720 BOB WHITE RD TEMPLE TX 765017197, TEMPLE, TX 76501-7197

Mortgage

Document Number	0000004994
Date	Jan 31, 2020
Instrument	4994

Lender

Name	FIRST NAT'L BK/TX
Type	Bank
Address	KILLEEN, TX 76540

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 30, 2021

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4235 E BUSINESS 190, TEMPLE, TX 76501
Document Number	0000004993
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	AMERICAN ABSTRACT CORPORATION, AMERICAN ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3720 BOB WHITE RD TEMPLE TX 765017197, TEMPLE, TX 76501-7197

Mortgage

Document Number	0000004993
Date	Jan 31, 2020
Instrument	4993

Lender

Name	FIRST NAT'L BK/TX
Type	Bank
Address	KILLEEN, TX 76540

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 30, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Unified School District	Academy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,986.00 (+2.21%)	$495,465 (+7.53%) Land $140,231 Building $355,234	$495,465 (+7.53%) Land $140,231 Building $355,234
2023	$6,835.00 (+0.9%)	$460,775 Land $123,961 Building $336,814	$460,775 Land $123,961 Building $336,814
2022	$6,774.00

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	Low lower than 67% of the US · lower than 91% 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	BELL COUNTY WCID 5 serves 579 people · EPA ID TX0140024
Water Source	Purchased surface water from CENTRAL TEXAS WSC
Last State Inspection	Feb 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	3 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
SOS Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed, T-Mobile.

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