Bell County property record for 4322 Charter Oak Dr, Temple, TX 76502
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 2 ba · 4,605 sqft · built 1976 |
| Lot Size | 5.67 acres (247,377 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,442 (2023) |
| Deeds & Mortgages | Mar 2017 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 0440340000 |
| Primary APN | 0440340000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 4,605 sqft Gross Area |
| Gross Area | 4,392 sqft |
| 1st Floor Area | 360 sqft |
| 2nd Floor Area | 360 sqft |
| Upper Floors Area | 360 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Unfinished |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 247,377 sqft (5.67 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 414187 |
|---|---|
| Street Address | 4322 CHARTER OAK DR |
| City | TEMPLE |
| State | TX |
| Zip | 76502 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | GR |
| Legal Description | A0005BC N CHANCE, 64, 65-1, OB 517, PT OB 513, ACRES 5.679 64, 65-1, OB 517, PT OB 513, |
| Legal Subdivision | N CHANCE |
| Jurisdiction | BELL TX |
| Township / Civil Division | TEMPLE |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 21203 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4302 CHARTER OAK DR, TEMPLE, TX 76502-5722 |
| Owner Type | Individual, Secondary Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2014 |
| Deed Sale | Dec 30, 2014 |
| Deed Document Number | 201400047809 |
| Record Updated | Jun 7, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BELL TX |
| Property Address | 4322 CHARTER OAK DR, TEMPLE, TX 76502 |
| Document Number | 0000011063 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 7 N KEGLEY RD TEMPLE TX 765024067, TEMPLE, TX 76502-4067 |
| Document Number | 0000011063 |
|---|---|
| Date | Mar 22, 2017 |
| Instrument | 11063 |
| Name | CENTRAL NAT'L BK |
|---|---|
| Type | Bank |
| Address | TEMPLE, TX 76502 |
| Term | 12 Months |
|---|---|
| Due | Mar 21, 2018 |
Source: Bell County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Temple City |
| Unified School District | Belton Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,442.00 (+26.88%) | $193,552 Land $150,148 Building $43,404 | $193,552 Land $150,148 Building $43,404 |
| 2022 | $3,501.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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.
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 |
| 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.
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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