4306 Charter Oak Dr, Temple, TX 76502 Property Records

Bell County property record for 4306 Charter Oak Dr, Temple, TX 76502

Property Summary

Property Type	Misc Structure / Fixture
Details	2 bd · 2 ba · 2,772 sqft · built 2021
Lot Size	5.72 acres (249,294 sqft)
Owner	Individual Name on Record
Tax Bill	$13,929 (2023)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2018 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`0440340001`

Property Details

APN / Parcel Number

Primary APN	`0440340001`
Alternative APNs	`414187` `85`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,772 sqft Gross Area
Gross Area	2,636 sqft
1st Floor Area	2,636 sqft
2nd Floor Area	792 sqft
Utility Area	1,250 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	249,294 sqft (5.72 acres)
Garage Area	2,415 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	565 sqft
Storage Building	1,250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	414187
Street Address	4306 CHARTER OAK DR
City	TEMPLE
State	TX
Zip	76502-5722
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Misc Structure / Fixture
Legal Description	A0005BC N CHANCE, 65-1, ACRES 5.723 65-1,
Legal Subdivision	N CHANCE
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1032
Census Tract	21203

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	Individual Name on Record
Mailing Address	4302 CHARTER OAK DR, TEMPLE, TX 76502-5722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL NATIONAL BANK
Mar 15, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK
Mar 15, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2014
Deed Sale	Dec 30, 2014
Deed Document Number	201400047809
Record Updated	Jun 7, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4306 CHARTER OAK DR, TEMPLE, TX 76502-5722
Transaction Type	Mortgage
Record Updated	May 12, 2023
Title Company	FIRST EQUITY TITLE LLC, FIRST COMMUNITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4306 CHARTER OAK DR, TEMPLE, TX 76502-5722

Mortgage

Document Number	0000017589
Date	Apr 26, 2023
Instrument	2023017589

Lender

Name	CENTRAL NATIONAL BANK
Type	Bank
Address	TEMPLE, TX 76502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	4306 CHARTER OAK DR, TEMPLE, TX 76502-5722
Document Number	0000012324
Instrument Date	Mar 15, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4302 CHARTER OAK DR TEMPLE TX 765025722, TEMPLE, TX 76502-5722

Mortgage

Document Number	0000012324
Date	Mar 28, 2018
Instrument	12324

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	TEMPLE, TX 76502

Agreement

Term	36 Months
Due	Mar 27, 2021

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	4306 CHARTER OAK DR, TEMPLE, TX 76502-5722
Document Number	0000011063
Instrument Date	Mar 15, 2017
Transaction Type	Mortgage
Record Updated	Apr 5, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 N KEGLEY RD TEMPLE TX 765024067, TEMPLE, TX 76502-4067

Mortgage

Document Number	0000011063
Date	Mar 22, 2017
Instrument	11063

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	TEMPLE, TX 76502

Agreement

Term	12 Months
Due	Mar 21, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$13,929.00 (+79.06%)	$1,303,774 Land $135,051 Building $1,168,723	$1,303,774 Land $135,051 Building $1,168,723
2022	$7,779.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	10 (1979–2024)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Apr 2024 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 70% of Texas
Wildfire Likelihood	0.1% 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 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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