550 Cemetery Rd, Temple, TX 76501 Property Records

Bell County property record for 550 Cemetery Rd, Temple, TX 76501

Property Summary

Property Type	Farm - Irrigated or Dry
Details	1 ba · 1,896 sqft · built 1934
Lot Size	41.4 acres (1,803,384 sqft)
Owner	2 Individual Names on Record
Tax Bill	$195 (2025)
Deeds & Mortgages	Apr 2026 Sale Jan 2018 Reverse Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`0457020000`

Property Details

APN / Parcel Number

Primary APN	`0457020000`
Alternative APNs	`67596` `46511`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,896 sqft Gross Area
1st Floor Area	1,896 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,803,384 sqft (41.4 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	208 sqft
Canopy	360 sqft
Storage Building	390 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	550 CEMETERY RD
City	TEMPLE
State	TX
Zip	76501-7572
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	A0014BC M MORENO, 191, ACRES 13.8
Legal Subdivision	M MORENO
Legal Block	1
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1001
Census Tract	20800

Owner

Source: Bell County records, as of July 6, 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	550 CEMETERY RD, TEMPLE, TX 76501-7572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 24, 2018	Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 18, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 29, 2026
Transfer Doc	0000020545
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL TX
Recording Date	Apr 29, 2026
Property Address	550 CEMETERY RD, TEMPLE, TX 76501-7572
Document Number	0000020545
Instrument Date	Apr 29, 2026
Instrument	202620545
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	550 CEMETERY RD, TEMPLE, TX 76501-7572

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	550 CEMETERY RD, TEMPLE, TX 76501-7572
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002896
Date	Jan 24, 2018
Instrument	2018-00002896

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.68%
Type Change Date	Feb 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	550 CEMETERY RD, TEMPLE, TX 76501-7572
Document Number	0000002897
Instrument Date	Jan 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	550 CEMETERY RD TEMPLE TX 765017572, TEMPLE, TX 76501-7572

Mortgage

Document Number	0000002897
Date	Jan 24, 2018
Instrument	2897

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.68%

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	Temple Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$195.00 (+3.17%)	$106,920 (-76.85%)	$470,160 (+1.82%) Land $356,426 Building $113,734
2023	$189.00 (-1.05%) Homeowner's exemption Senior Citizen's exemption	$461,761 Land $324,024 Building $137,737	$461,761 Land $324,024 Building $137,737
2022	$191.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1990–2014)
Most Recent Claim	Sep 2014 · rainfall accumulation

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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
SOS Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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