4850 Owen Ln, Temple, TX 76502 Property Records

Bell County property record for 4850 Owen Ln, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,988 sqft · built 2002
Lot Size	0.692 acres (30,144 sqft)
Owner	Individual Name on Record
Tax Bill	$10,196 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0406380000`

Property Details

APN / Parcel Number

Primary APN	`0406380000`
Alternative APNs	`816111` `13993`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,988 sqft Living Area
1st Floor Area	2,988 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,144 sqft (0.692 acres)
View / Lot	Lake
Garage Area	747 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	1 sqft
Porch	Open Porch
Porch Area	534 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	4850 OWEN LN
City	TEMPLE
State	TX
Zip	76502-6613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEVEN COVES TRACT 3, BLOCK 002, LOT 0010, & 0.258AC TRACT ADJ, ACRES 0.692
Legal Subdivision	SEVEN COVES TRACT 3
Legal Tract	3
Legal Block	2
Legal Lot Number	10
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	3
Census Block	3000
Census Tract	20203

Owner

Source: Bell County records, as of August 3, 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	4850 OWEN LN, TEMPLE, TX 76502-6613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Jun 24, 2021	Vendor's Lien, Transfer · Line of Credit BANCORPSOUTH BANK
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022
Deed Sale	May 16, 2022
Prior Sale	Jun 24, 2021 · Amount on Record
Deed Document Number	202231323
Prior Transfer Date	Jun 23, 2021
Prior Transfer Doc	0000040044
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Recording Date	Jul 23, 2026
Property Address	4850 OWEN LN, TEMPLE, TX 76502-6613
Document Number	0000036968
Instrument Date	Jul 13, 2026
Instrument	202636968
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4850 OWEN LN, TEMPLE, TX 76502-6613

Mortgage

Document Number	0000036968,
Date	Jul 23, 2026
Instrument	202636968

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2056

Interest

Rate	6.52%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4850 OWEN LN, TEMPLE, TX 76502-6613
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048258
Date	Jul 29, 2022
Instrument	2022048258

Lender

Name	CADENCE BANK NA
Type	Bank
Address	OPELIKA, AL 36803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 5, 2032
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jun 24, 2021
Property Address	4850 OWEN LN, TEMPLE, TX 76502-6613
Document Number	0000040044
Map Reference	CAB A SL 153-C
Instrument Date	Jun 23, 2021
Instrument	2021040044
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TTL CO K

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7105 FALLING SPRINGS RD, 7105, FORT WORTH, TX 76116-9308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4850 OWEN LN, TEMPLE, TX 76502-6613

Mortgage

Document Number	0000040046
Date	Jun 24, 2021
Instrument	2021040046

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	18 Months
Due	Dec 23, 2022

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	4850 OWEN LN, TEMPLE, TX 76502-6613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MONTEITH ABSTRACT & TTL CO K

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032124
Date	Jul 1, 2020
Instrument	2020-00032124

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	Belton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,196.00 (+16.17%)	$744,702 (-7.3%)	$788,289 (-1.88%) Land $124,191 Building $664,098
2023	$8,777.00 (-10.43%) Homeowner's exemption	$803,375 Land $114,847 Building $688,528	$803,375 Land $114,847 Building $688,528
2022	$9,799.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.08% 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	MOFFAT WSC serves 4,633 people · EPA ID TX0140028
Water Source	Purchased surface water from BLUEBONNET WSC
Last State Inspection	Oct 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Altitude ISP, Brightspeed, Spectrum, Verizon.

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