609 Ottawa Dr, Harker Heights, TX 76548 Property Records

Bell County property record for 609 Ottawa Dr, Harker Heights, TX 76548

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,826 sqft · built 1996
Lot Size	0.208 acres (9,049 sqft)
Owner	Individual Name on Record
Last Sale	$187,100 (Nov 2012)
Tax Bill	$4,883 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0912860070`

Property Details

APN / Parcel Number

Primary APN	`0912860070`
Alternative APNs	`133499` `757624`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,826 sqft Living Area
1st Floor Area	1,435 sqft
2nd Floor Area	1,391 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,049 sqft (0.208 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	145 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	609 OTTAWA DR
City	HARKER HEIGHTS
State	TX
Zip	76548-7437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKIPCHA MOUNTAIN ESTATES PHASE SIX SECTION TWO, BLOCK 007, LOT 0021
Legal Subdivision	SKIPCHA MOUNTAIN ESTATES PHASE SIX SECTI
Legal Block	7
Legal Lot Number	21
Jurisdiction	BELL TX
Township / Civil Division	KILLEEN
Census Block Group	1
Census Block	1025
Census Tract	21905

Owner

Source: Bell County records, as of April 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	609 OTTAWA DR, HARKER HEIGHTS, TX 76548-7437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit VELOCITY CREDIT UNION
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 23, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2012 · Amount on Record
Deed Sale	Nov 8, 2012 · Amount on Record
Deed Document Number	201246664
Prior Transfer Date	Nov 6, 2012
Prior Transfer Doc	0000046664
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Recording Date	Apr 13, 2026
Property Address	609 OTTAWA DR, HARKER HEIGHTS, TX 76548-7437
Document Number	0000017498
Instrument Date	Apr 8, 2026
Instrument	202617498
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 OTTAWA DR, HARKER HEIGHTS, TX 76548-7437

Mortgage

Document Number	0000017498,
Date	Apr 13, 2026
Instrument	202617498

Lender

Name	VELOCITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	609 OTTAWA DR, HARKER HEIGHTS, TX 76548-7437
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046350
Date	Jul 20, 2022
Instrument	2022046350

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	609 OTTAWA DR, HARKER HEIGHTS, TX 76548-7437
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024801
Date	Apr 23, 2021
Instrument	2021024801

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	260 Months
Due	Dec 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Harker Heights City
Unified School District	Killeen Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,883.00 (+17.01%)	$311,759 (-14.13%)	$322,030 (-11.3%) Land $52,000 Building $270,030
2023	$4,173.00 (-13.69%) Homeowner's exemption	$363,042 Land $38,000 Building $325,042	$363,042 Land $38,000 Building $325,042
2022	$4,835.00

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	4 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · 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	Not rated no burnable land within 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 HARKER HEIGHTS serves 35,957 people · EPA ID TX0140023
Water Source	Purchased surface water from BELL COUNTY WCID 1
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, FiberFirst.

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