4405 Cactus Trl, Temple, TX 76502 Property Records

Bell County property record for 4405 Cactus Trl, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,556 sqft · built 1981
Lot Size	0.164 acres (7,153 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (May 2019)
Tax Bill	$1,038 (2025)
Deeds & Mortgages	May 2019 Mortgage May 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0030460530`

Property Details

APN / Parcel Number

Primary APN	`0030460530`
Alternative APNs	`103271` `859523`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,556 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,153 sqft (0.164 acres)
Lot Dimensions	105 ft deep x 66 ft wide
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	167 sqft
Canopy	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4405 CACTUS TRL
City	TEMPLE
State	TX
Zip	76502-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	CANYON CREEK PHASE II, BLOCK 006, LOT 0013, (66.195 X 105)
Legal Subdivision	CANYON CREEK PHASE II
Legal Block	6
Legal Lot Number	13
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	4
Census Block	4006
Census Tract	21301

Owner

Source: Bell County records, as of July 22, 2026

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	4405 CACTUS TRL, TEMPLE, TX 76502-3242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2019	Vendor's Lien, Transfer · Conventional Mortgage AUSTIN CAPITAL BANK SSB
May 9, 2018	Warranty Deed, Transfer TEXAS TITLE COMPANY, TEXAS TITLE CO.
Jun 27, 2017	Loan Modification, Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	Mar 19, 2009
Deed Document Number	201919638
Prior Transfer Date	May 10, 2019
Prior Transfer Doc	0000019638
Record Updated	Sep 20, 2026

May 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	May 13, 2019
Property Address	4405 CACTUS TRL, TEMPLE, TX 76502-3242
Document Number	0000019638
Map Reference	CAB A SL 39-B
Instrument Date	May 10, 2019
Instrument	2019-00019638
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	MONTEITH ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5503 NW DOWNING ST, 5503, BLUE SPRINGS, MO 64015-2318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 CACTUS TRL, TEMPLE, TX 76502-3242

Mortgage

Document Number	0000019639
Date	May 13, 2019
Instrument	2019-00019639

Lender

Name	AUSTIN CAPITAL BANK SSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	May 9, 2018
Property Address	4405 CACTUS TRL, TEMPLE, TX 76502-3242
Document Number	0000018706
Book / Page	010447 / 000734
Instrument Date	Apr 30, 2018
Instrument	18706
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	TEXAS TITLE COMPANY, TEXAS TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8270 BROSTROM ST FORT BENNING GA 319051923, FORT BENNING, GA 31905-1923

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	4405 CACTUS TRL, TEMPLE, TX 76502-3242
Document Number	0000029522
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 CACTUS TRL TEMPLE TX 765023242, TEMPLE, TX 76502-3242

Mortgage

Document Number	0000029522
Date	Jul 17, 2017
Instrument	29522

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 16, 2037

Interest

Rate Type	Fixed Rate
Rate	4.99%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,038.00 (+0.48%)	$216,377 (-7.42%)	$235,944 (+0.96%) Land $40,000 Building $195,944
2023	$1,033.00 (-43.52%) Homeowner's exemption Senior Citizen's exemption	$233,708 Land $28,000 Building $205,708	$233,708 Land $28,000 Building $205,708
2022	$1,829.00

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	4 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% 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	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 518 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
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: Altitude ISP, SOS Communications.

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