620 Elizabeth St, Troy, TX 76579 Property Records

Bell County property record for 620 Elizabeth St, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,137 sqft · built 1975
Lot Size	0.135 acres (5,893 sqft)
Owner	2 Individual Names on File
Last Sale	$153,713 (May 2025)
Tax Bill	$1,718 (2025)
Deeds & Mortgages	May 2025 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0376590525`

Property Details

APN / Parcel Number

Primary APN	`0376590525`
Alternative APNs	`103608` `875156`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,137 sqft Living Area
1st Floor Area	1,137 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,893 sqft (0.135 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	284 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	232 sqft
Storage Building	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 ELIZABETH ST
City	TROY
State	TX
Zip	76579-2636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS, BLOCK 001, LOT PT 15, 16, (E 35 OF 15 & W 45 OF 16)
Legal Subdivision	SUNNY HILLS
Legal Block	1
Legal Lot Number	15,16
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2024
Census Tract	20102

Owner

620 Elizabeth St is owned and occupied by two individuals who bought it in May 2025.

Source: Bell County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	620 ELIZABETH ST, TROY, TX 76579-2636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 6, 2025	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
May 12, 2020	Deed of Trust, Mortgage · Commercial Mortgage EXTRACO BANKS NA
Nov 3, 2017	Quit Claim Deed, Transfer Quitclaim
Nov 3, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 31, 2017	Trustee's Deed, Foreclosure ALAW TX TITLE DOCUMENTS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Dec 16, 2021 · Amount on File
Deed Document Number	202521618
Prior Transfer Date	Jun 6, 2017
Prior Transfer Doc	0000031689
Record Updated	Oct 29, 2026

May 2025: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	May 6, 2025
Property Address	620 ELIZABETH ST, TROY, TX 76579-2636
Document Number	0000021618
Map Reference	CAB A SL 288-D
Instrument Date	May 5, 2025
Instrument	2025021618
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 27, 2025
Title Company	FIRST COMMUNITY TITLE LLC

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11125 STINNETT MILL RD, SALADO, TX 76571-6459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ELIZABETH ST, TROY, TX 76579-2636

Mortgage

Document Number	0000021619
Date	May 6, 2025
Instrument	2025021619

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Mortgage

Document Number	0000021620
Date	May 6, 2025
Instrument	2025021620

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	620 ELIZABETH ST, TROY, TX 76579-2636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022556
Date	May 12, 2020
Instrument	2020-00022556

Lender

Name	EXTRACO BANKS NA
Type	Bank
Address	TEMPLE, TX 76501

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 8, 2030

Interest

Rate Type	Adjustable Rate

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELL TX
Recording Date	Nov 3, 2017
Property Address	620 ELIZABETH ST, TROY, TX 76579-2636
Document Number	0000046451
Instrument Date	Nov 1, 2017
Instrument	46451
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5633 SUNDROP LN #A TEMPLE TX 765024911, A, TEMPLE, TX 76502-4911

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELL TX
Recording Date	Nov 3, 2017
Property Address	620 ELIZABETH ST, TROY, TX 76579-2636
Document Number	0000046450
Instrument Date	Nov 1, 2017
Instrument	46450
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6617 MOUNTAIN DR CHAMBERSBURG PA 172029051, CHAMBERSBURG, PA 17202-9051

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BELL TX
Recording Date	Jul 31, 2017
Property Address	620 ELIZABETH ST, TROY, TX 76579-2636
Document Number	0000031689
Instrument Date	Jun 6, 2017
Instrument	31689
Transaction Type	Foreclosure
Record Updated	Aug 15, 2017
Title Company	ALAW TX TITLE DOCUMENTS

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 S 25TH ST TEMPLE TX 765044130, TEMPLE, TX 76504-4130

Tax Assessment & Valuation

The 2025 property tax bill for 620 Elizabeth St was $1,718, down 29.8% from the year before.

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,718.00 (-29.76%) Homeowner's exemption	$141,859 Land $22,000 Building $119,859	$141,859 Land $22,000 Building $119,859
2024	$2,446.00 (+3.95%)
2023	$2,353.00 (+2.48%)	$140,254 Land $15,000 Building $125,254	$140,254 Land $15,000 Building $125,254
2022	$2,296.00

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

Flood

FEMA maps place 620 Elizabeth 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 620 Elizabeth St is low, with a 0.04% 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 89% of Texas
Wildfire Likelihood	0.04% 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 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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