5251 Lower Troy Rd, Temple, TX 76501 Property Records

Bell County property record for 5251 Lower Troy Rd, Temple, TX 76501

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,828 sqft · built 1979
Lot Size	2.17 acres (94,830 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,545 (2023)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0490960100`

Property Details

APN / Parcel Number

Primary APN	`0490960100`
Alternative APNs	`116163` `864996`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,828 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	2,100 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1979
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	94,830 sqft (2.17 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	294 sqft
Canopy	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	864996
Street Address	5251 LOWER TROY RD
City	TEMPLE
State	TX
Zip	76501-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0183BC S CHRISTOPHER, 4-1, ACRES 2.177 4-1,
Legal Subdivision	S CHRISTOPHER
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	2
Census Block	2008
Census Tract	20402

Owner

Source: Bell County assessment roll, as of August 1, 2023

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 File
Mailing Address	5251 LOWER TROY RD, TEMPLE, TX 76501-6634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2020	Warranty Deed, Transfer CAPITAL FARM CR FLCA
Sep 6, 2019	Vendor's Lien, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 6, 2019
Deed Sale	Sep 6, 2019
Deed Document Number	2019-00040574
Record Updated	Jun 7, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Jun 10, 2020
Property Address	5251 LOWER TROY RD, TEMPLE, TX 76501-6634
Document Number	0000027694
Instrument Date	Jun 8, 2020
Instrument	27694
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	FIRST CMNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 GEORGE WILSON RD BELTON TX 765134291, BELTON, TX 76513-4291

Mortgage

Document Number	27695
Date	Jun 10, 2020
Instrument	27695

Lender

Name	CAPITAL FARM CR FLCA
Type	Funding / Finance Company
Address	TEMPLE, TX 76502

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 9, 2040

September 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Sep 6, 2019
Property Address	5251 LOWER TROY RD, TEMPLE, TX 76501-6634
Document Number	0000040574
Instrument Date	Sep 5, 2019
Instrument	2019-00040574
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5251 LOWER TROY RD, TEMPLE, TX 76501-6634

Mortgage

Document Number	0000040575
Date	Sep 6, 2019
Instrument	2019-00040575

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Unified School District	Troy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,545.00 (-31.86%) Homeowner's exemption Senior Citizen's exemption	$408,758 Land $83,877 Building $324,881	$408,758 Land $83,877 Building $324,881
2022	$3,735.00

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	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

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

Wildfire Risk	Moderate above 51% of the US · lower than 73% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LITTLE ELM VALLEY WSC serves 2,127 people · EPA ID TX0140025
Water Source	Purchased surface water from CENTRAL TEXAS WSC
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
Treatment and Procedure	Lead service line inventory Oct 2024
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.

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)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: AMG Technology Investment Group, Spectrum.

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