Bell County property record for 5 Spruce Dr, Belton, TX 76513
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,228 sqft · built 1982 |
| Lot Size | 0.113 acres (4,943 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $191,100 (Mar 2026) |
| Tax Bill | $3,969 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0333750000 |
| Primary APN | 0333750000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| 1st Floor Area | 1,228 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,943 sqft (0.113 acres) |
| Lot Dimensions | 70 ft deep x 74 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 5 SPRUCE DR |
|---|---|
| City | BELTON |
| State | TX |
| Zip | 76513-6357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORGANS POINT RESORT SECTION 8B, BLOCK 001, LOT 0006 |
| Legal Subdivision | MORGANS POINT RESORT SECTION 8B |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | BELL TX |
| Township / Civil Division | NORTHWEST BELL |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 20201 |
Source: Bell County records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5 SPRUCE DR, BELTON, TX 76513-6357 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 17, 2026 | Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 15, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR |
| Aug 21, 2018 | Quit Claim Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2026 · Amount on Record |
| Deed Sale | Mar 17, 2026 · Amount on Record |
| Deed Document Number | 202612516 |
| Prior Transfer Date | Aug 13, 2018 |
| Prior Transfer Doc | 0000035209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Mar 17, 2026 |
| Property Address | 5 SPRUCE DR, MORGANS POINT RESORT, TX 76513-6357 |
| Document Number | 0000012516 |
| Map Reference | CAB A SL 247-B |
| Instrument Date | Mar 16, 2026 |
| Instrument | 2026012516 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST COMMUNITY TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 SPRUCE DR, BELTON, TX 76513-6357 |
| Document Number | 0000012517 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 2026012517 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Apr 15, 2026 |
| Property Address | 5 SPRUCE DR, BELTON, TX 76513-6357 |
| Document Number | 0000018159 |
| Instrument Date | Mar 12, 2026 |
| Instrument | 202618159 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST COUNTY TITLE, FIRST COMMUNITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 272 COUNTY ROAD 4807, COPPERAS COVE, TX 76522-6342 |
| Document Number | 0000018159, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 202618159 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 4% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Aug 21, 2018 |
| Property Address | SPRUCE DR, TEMPLE, TX 76501 |
| Document Number | 0000035209 |
| Book / Page | 010568 / 000865 |
| Instrument Date | Aug 13, 2018 |
| Instrument | 35209 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2018 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1851 E US HIGHWAY 180 #1 BRECKENRIDGE TX 764244972, 1, BRECKENRIDGE, TX 76424-4972 |
Source: Bell County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Morgan's Point Resort City |
| Unified School District | Belton Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,969.00 (+1.02%) | $187,843 (-2.17%) Land $22,000 Building $165,843 | $187,843 (-2.17%) Land $22,000 Building $165,843 |
| 2023 | $3,929.00 (+8.51%) | $192,018 Land $18,000 Building $174,018 | $192,018 Land $18,000 Building $174,018 |
| 2022 | $3,621.00 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2010–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2016 · other causes |
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 44% of the US · lower than 82% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 MORGANS POINT RESORT serves 5,000 people · EPA ID TX0140116 |
|---|---|
| Water Source | Purchased surface water from CITY OF TEMPLE |
| Last State Inspection | Jan 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Altitude ISP Fixed Wireless | 500 / 100 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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