515 W Royal Ave, Temple, TX 76501 Property Records

Bell County property record for 515 W Royal Ave, Temple, TX 76501

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,125 sqft · built 1953
Lot Size	0.253 acres (11,000 sqft)
Owner	Individual Name on File
Last Sale	$180,900 (Apr 2019)
Tax Bill	$5,780 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0087980000`

Property Details

APN / Parcel Number

Primary APN	`0087980000`
Alternative APNs	`107587` `858887`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,125 sqft Living Area
1st Floor Area	2,125 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick Veneer
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,000 sqft (0.253 acres)
Lot Dimensions	50 ft deep x 220 ft wide
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	572 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 W ROYAL AVE
City	TEMPLE
State	TX
Zip	76501-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF1
Legal Description	E E NETTLES ADDITION, BLOCK 009, LOT 0001
Legal Subdivision	E E NETTLES ADDITION
Legal Block	9
Legal Lot Number	1
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	2
Census Block	2044
Census Tract	20600

Owner

515 W Royal Ave is owned and occupied by an individual who bought it in April 2019.

Source: Bell County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Apr 11, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 26, 2019	Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Prior Sale	Jan 19, 2010 · Amount on File
Deed Document Number	201916977
Prior Transfer Date	Apr 25, 2019
Prior Transfer Doc	0000016977
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Recording Date	Aug 11, 2026
Property Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631
Document Number	0000040392
Instrument Date	Jul 31, 2026
Instrument	202640392
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631

Mortgage

Document Number	0000040392,
Date	Aug 11, 2026
Instrument	202640392

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 15, 2066

Interest

Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631

Mortgage

Document Number	0000014828
Date	Apr 11, 2023
Instrument	2023014828

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 6, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 26, 2019
Property Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631
Document Number	0000016977
Map Reference	VOL 550 PG 636
Instrument Date	Apr 25, 2019
Instrument	2019-00016977
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	MONTEITH ABSTRACT AND TTL CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W ROYAL AVE, TEMPLE, TX 76501-1631

Mortgage

Document Number	0000016978
Date	Apr 26, 2019
Instrument	2019-00016978

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 515 W Royal Ave was $5,780 with exemptions applied.

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	$5,780.00	$313,701	$338,434 Land $22,000 Building $316,434
2023	$4,660.00 (-11.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$306,525 Land $19,800 Building $286,725	$306,525 Land $19,800 Building $286,725
2022	$5,295.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 W Royal Ave in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 515 W Royal Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.6% 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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
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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