4609 S 31st St, Temple, TX 76502 Property Records

Bell County property record for 4609 S 31st St, Temple, TX 76502

Property Summary

Property Type	Commercial
Details	3,141 sqft · built 2004
Lot Size	1.11 acres (48,352 sqft)
Owner	Company Name on Record
Last Sale	$1,200,000 (Mar 2016)
Tax Bill	$21,300 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0115341003`

Property Details

APN / Parcel Number

Primary APN	`0115341003`
Alternative APNs	`350242` `808930`

Interior

Stories	1 Story
Building Area	3,141 sqft Gross Area
1st Floor Area	3,096 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Lot Area	48,352 sqft (1.11 acres)
Lot Dimensions	261 ft deep x 185 ft wide
View / Lot	Commercial
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4609 S 31ST ST
City	TEMPLE
State	TX
Zip	76502-3443
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SPANISH SOUTHWEST COMMERCIAL PHASE III, BLOCK 003, LOT 001B, ACRES 1.11
Legal Subdivision	SPANISH SOUTHWEST COMMERCIAL PHASE III
Legal Block	3
Legal Lot Number	1B
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1019
Census Tract	21304

Owner

Source: Bell County records, as of October 21, 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	PO BOX 335, HEWITT, TX 76643-0335
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST NATIONAL BANK OF HEBBRONVILLE
Jul 31, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST NATIONAL BANK OF HEBBRONVILLE
Jul 18, 2017	Deed of Trust, Mortgage FIRST NAT'L BK/MCGREGOR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2016 · Amount on Record
Deed Sale	Mar 9, 2016 · Amount on Record
Prior Sale	Mar 3, 2008 · Amount on Record
Deed Document Number	20168569
Prior Transfer Date	Feb 27, 2008
Prior Transfer Doc	0000009058
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4609 S 31ST ST, TEMPLE, TX 76502-3443
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050864
Date	Dec 10, 2018
Instrument	2018-00050864

Lender

Name	THE FIRST NATIONAL BANK OF HEBBRONVILLE
Type	Bank
Address	MC GREGOR, TX 76657

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4609 S 31ST ST, TEMPLE, TX 76502-3443
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031703
Date	Jul 31, 2018
Instrument	2018-00031703

Lender

Name	THE FIRST NATIONAL BANK OF HEBBRONVILLE
Type	Bank
Address	MC GREGOR, TX 76657

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4609 S 31ST ST, TEMPLE, TX 76502-3443
Document Number	0000030701
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	533 DALE ST ROBINSON TX 767065107, ROBINSON, TX 76706-5107

Mortgage

Document Number	0000030701
Date	Jul 24, 2017
Instrument	30701

Lender

Name	FIRST NAT'L BK/MCGREGOR
Type	Bank
Address	MCGREGOR, TX 76657

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 23, 2037

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	$21,300.00 (+32.73%)	$872,680 (+9.42%) Land $166,813 Building $705,867	$872,680 (+9.42%) Land $166,813 Building $705,867
2023	$16,048.00 (+3.11%)	$797,533 Land $157,143 Building $640,390	$797,533 Land $157,143 Building $640,390
2022	$15,564.00

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 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 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 700 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	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

May also be available: Altitude ISP, SOS Communications, T-Mobile, Verizon.

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