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5105 Charter Oak Dr, Temple, TX 76502 Property Records

Bell County property record for 5105 Charter Oak Dr, Temple, TX 76502

Property Summary

Property TypeFarm - Irrigated or Dry
Details3 bd · 3 ba · 3,018 sqft · built 1998
Lot Size2 acres (87,251 sqft)
OwnerIndividual Name on Record
Last Sale$705,300 (Jul 2014)
Tax Bill$6,805 (2025)
Deeds & MortgagesAug 2019 Sale
Jul 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN0439130101

Property Details

APN / Parcel Number

Primary APN0439130101
Alternative APNs
  • 205237
  • 863568

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,018 sqft Gross Area
1st Floor Area3,018 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2019
Exterior MaterialBrick Veneer
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area87,251 sqft (2 acres)
Garage TypeCarport
Garage Area821 sqft
CarportCarport
Carport Area821 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area514 sqft
Canopy170 sqft
Storage Building1,440 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address5105 CHARTER OAK DR
CityTEMPLE
StateTX
Zip76502-5739
Property CategoryAgriculture or Farming
Property TypeAgriculture / Farming > Farm - Irrigated or Dry
Local Zoning CodeGR
Legal DescriptionA0005BC N CHANCE, ACRES 2.003
Legal SubdivisionN CHANCE
Legal Block1
JurisdictionBELL TX
Township / Civil DivisionTEMPLE
Census Block Group1
Census Block1037
Census Tract20301

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 RecordIndividual Name on Record
Mailing Address5105 CHARTER OAK DR, TEMPLE, TX 76502-5739
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2019Grant Deed, Transfer
ATTORNEY ONLY
Jul 23, 2019Loan Modification, Mortgage
FIRST TX BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 17, 2014 · Amount on Record
Deed SaleJul 17, 2014 · Amount on Record
Deed Document Number201425731
Prior Transfer DateJul 16, 2014
Prior Transfer Doc0000025731
Record UpdatedOct 29, 2026

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBELL TX
Recording DateAug 12, 2019
Property Address5105 CHARTER OAK DR, TEMPLE, TX 76502-5739
Document Number0000035604
Instrument DateAug 7, 2019
Instrument35604
Transaction TypeTransfer
Record UpdatedSep 12, 2019
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address5105 CHARTER OAK DR TEMPLE TX 765025739, TEMPLE, TX 76502-5739

July 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBELL TX
Property Address5105 CHARTER OAK DR, TEMPLE, TX 76502-5739
Document Number0000038873
Instrument DateJul 23, 2019
Transaction TypeMortgage
Record UpdatedSep 13, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5105 CHARTER OAK DR TEMPLE TX 765025739, TEMPLE, TX 76502-5739

Mortgage

Document Number0000038873
DateAug 28, 2019
Instrument38873
Lender
NameFIRST TX BK
TypeBank
AddressKILLEEN, TX 76547
Agreement
AmountAmount Recorded
Term60 Months
DueAug 27, 2024
Interest
Rate6.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTexas
CountyBell County
MunicipalityTemple City
Unified School DistrictBelton Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,805.00 (-12.97%)$586,208 (-16.18%) Land $85,112 Building $501,096$586,208 (-16.18%) Land $85,112 Building $501,096
2023$7,819.00 (-18.75%) Homeowner's exemption Senior Citizen's exemption$699,353 Land $75,097 Building $624,256$699,353 Land $75,097 Building $624,256
2022$9,623.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 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 RiskModerate
above 53% of the US · lower than 69% of Texas
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemCITY OF TEMPLE
serves 94,935 people · EPA ID TX0140005
Water SourceSurface water
Last State InspectionJan 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Nov 2019
Total trihalomethanes
resolved · Apr 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 19 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Nextlink
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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