Bell County property record for 637 Gingham Trl, Troy, TX 76579
| Property Type | Single Family Home |
|---|---|
| Details | 1,584 sqft · built 2022 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,484 (Jun 2023) |
| Tax Bill | $2,932 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00014-84-83 |
| Primary APN | 00014-84-83 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,584 sqft Living Area |
| 1st Floor Area | 1,584 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,750 sqft (0.132 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 158 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 637 GINGHAM TRL |
|---|---|
| City | TROY |
| State | TX |
| Zip | 76579-3906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTONWOOD CREEK PHASE I, BLOCK 001, LOT 0022 |
| Legal Subdivision | COTTONWOOD CREEK PHASE I |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | BELL TX |
| Township / Civil Division | EAST BELL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20101 |
Source: Bell County records · APN 00014-84-83
Assessment roll updated February 9, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 637 GINGHAM TRL, TROY, TX 76579-3906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 2023 · Amount on Record |
| Deed Sale | Jun 23, 2023 · Amount on Record |
| Deed Document Number | 202327626 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BELL TX |
| Recording Date | Jun 23, 2023 |
| Property Address | 637 GINGHAM TRL, TROY, TX 76579-3906 |
| Document Number | 0000027626 |
| Map Reference | DOC 2022000271A&B |
| Instrument Date | Jun 22, 2023 |
| Instrument | 2023027626 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Title Company | CENTRALAND TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 637 GINGHAM TRL, TROY, TX 76579-3906 |
| Document Number | 0000027627 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 2023027627 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
Source: Bell County records · Assessment roll updated February 9, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bell County |
| Municipality | Troy City |
| Unified School District | Troy Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,932.00 (-10.64%) | $248,373 (-7.82%) | $258,320 (-4.13%) Land $45,000 Building $213,320 |
| 2023 | $3,281.00 | $269,442 Land $36,000 Building $233,442 | $269,442 Land $36,000 Building $233,442 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Radiate Holdings Cable · Fiber in parts of the area | 1,500 / 50 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
May also be available: Verizon.
Based on FCC filings for 164 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF TROY serves 4,367 people |
|---|---|
| Water Source | Purchased surface water from CITY OF TEMPLE |
| Last State Inspection | Mar 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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