610 N Waco Rd, Troy, TX 76579 Property Records

Bell County property record for 610 N Waco Rd, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	2,580 sqft · built 2015
Lot Size	1.5 acres (65,558 sqft)
Owner	Individual Name on File
Last Sale	$352,400 (Jul 2020)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0375162596`

Property Details

APN / Parcel Number

Primary APN	`0375162596`
Alternative APNs	`460389` `838952`

Interior

Stories	1 Story
Building Area	2,580 sqft Living Area
1st Floor Area	2,580 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	65,558 sqft (1.5 acres)
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	435 sqft
Lawn Sprinklers	Lawn Sprinklers

Location & Zoning

Street Address	610 N WACO RD
City	TROY
State	TX
Zip	76579-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAR C ADDITION, BLOCK 001, LOT 0002, 1.505AC, ACRES 1.505
Legal Subdivision	BAR C ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2066
Census Tract	20101

Owner

610 N Waco Rd is owned and occupied by an individual who bought it in July 2020.

Source: Bell County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	610 N WACO RD, TROY, TX 76579-3603
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
May 20, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 1, 2020	Vendor's Lien, Transfer · VA Mortgage SWBC MORTGAGE CORP
Jan 23, 2018	Warranty Deed, Transfer TEXELL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Prior Sale	Jan 23, 2018 · Amount on File
Deed Document Number	202032163
Prior Transfer Date	Jun 30, 2020
Prior Transfer Doc	0000032163
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	610 N WACO RD, TROY, TX 76579-3603
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031739
Date	May 20, 2021
Instrument	2021031739

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Jul 1, 2020
Property Address	610 N WACO RD, TROY, TX 76579-3603
Document Number	0000032163
Map Reference	DOC 2014-158
Instrument Date	Jun 30, 2020
Instrument	2020-00032163
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	MONTEITH ABSTRACT & TTL CO T

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 N WACO RD, TROY, TX 76579-3603

Mortgage

Document Number	0000032164
Date	Jul 1, 2020
Instrument	2020-00032164

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Jan 23, 2018
Property Address	610 N WACO RD, TROY, TX 76579-3603
Document Number	0000002765
Instrument Date	Jan 19, 2018
Instrument	2765
Transaction Type	Transfer
Record Updated	Feb 9, 2018
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	610 N WACO RD TROY TX 765793603, TROY, TX 76579-3603

Mortgage

Document Number	2766
Date	Jan 23, 2018
Instrument	2766

Lender

Name	TEXELL CU
Address	TEMPLE, TX 76501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$504,233	$506,039 Land $65,175 Building $440,864
2023	$514,802 Land $59,250 Building $455,552	$514,802 Land $59,250 Building $455,552

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

Flood

FEMA maps place 610 N Waco Rd 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	3 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 610 N Waco Rd is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 TROY serves 4,367 people · EPA ID TX0140037
Water Source	Purchased surface water from CITY OF TEMPLE
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100

May also be available: Astound Broadband, AT&T, Rise Broadband.

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