615 Tower St, Troy, TX 76579 Property Records

Bell County property record for 615 Tower St, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,505 sqft · built 1979
Lot Size	0.431 acres (18,800 sqft)
Owner	Individual Name on File
Tax Bill	$2,560 (2023)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0376590010`

Property Details

APN / Parcel Number

Primary APN	`0376590010`
Alternative APNs	`106049` `812573`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,505 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,800 sqft (0.431 acres)
Lot Dimensions	188 ft deep x 100 ft wide
Garage Area	573 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	88 sqft
Canopy	230 sqft
Storage Building	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	812573
Street Address	615 TOWER ST
City	TROY
State	TX
Zip	76579-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SKYVIEW EAST, BLOCK 002, LOT 0002
Legal Subdivision	SKYVIEW EAST
Legal Block	2
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2016
Census Tract	20102

Owner

615 Tower St is owned by an individual who acquired it in August 2020.

Source: Bell County records, as of April 1, 2024

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 File
Mailing Address	615 TOWER ST, TROY, TX 76579-2535
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST CONT'L MTG
Aug 17, 2020	Vendor's Lien, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020
Deed Sale	Aug 17, 2020
Prior Sale	Jun 2, 2016
Deed Document Number	2020-00042857
Last Transfer Date	Aug 18, 2020
Transfer Doc	0000043181
Record Updated	Jun 7, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Aug 18, 2020
Property Address	615 TOWER ST, TROY, TX 76579-2535
Document Number	0000043181
Instrument Date	Aug 13, 2020
Instrument	43181
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	FIRST CMNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1329 AMBER DAWN DR TEMPLE TX 765027817, TEMPLE, TX 76502-7817

Mortgage

Document Number	43182
Date	Aug 18, 2020
Instrument	43182

Lender

Name	FIRST CONT'L MTG
Type	Mortgage Company
Address	HOUSTON, TX 77042

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2050

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Aug 17, 2020
Property Address	615 TOWER ST, TROY, TX 76579-2535
Document Number	0000042857
Map Reference	CAB A SL 289-A
Instrument Date	Aug 13, 2020
Instrument	2020-00042857
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	FIRST COMMUNITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 TOWER ST, TROY, TX 76579-2535

Mortgage

Document Number	0000042858
Date	Aug 17, 2020
Instrument	2020-00042858

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Mortgage

Document Number	0000042859
Date	Aug 17, 2020
Instrument	2020-00042859

Lender

Name	TEXAS DEPARTMENT OF HSNG COMMUNITY AFFIR
Type	Government Agency
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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

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	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,560.00 (-31.07%) Homeowner's exemption	$227,401 Land $15,000 Building $212,401	$227,401 Land $15,000 Building $212,401
2022	$3,714.00

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

Flood

FEMA maps place 615 Tower St 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	4 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 615 Tower St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: Verizon.

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