7098 Troyan Ln, Temple, TX 76502 Property Records

Bell County property record for 7098 Troyan Ln, Temple, TX 76502

Property Summary

Property Type	Single Family Home
Details	4,271 sqft · built 2023
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Tax Bill	$10,809 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0922245081`

Property Details

APN / Parcel Number

Primary APN	`0922245081`
Alternative APN	`506358`

Interior

Stories	1 Story
Building Area	4,271 sqft Living Area
1st Floor Area	4,271 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	655 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7098 TROYAN LN
City	TEMPLE
State	TX
Zip	76502-4463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE LANDING AT HERITAGE OAKS, BLOCK 001, LOT 0011, ACRES .520
Legal Subdivision	THE LANDING AT HERITAGE OAKS
Legal Block	1
Legal Lot Number	11
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	1
Census Block	1038
Census Tract	21400

Owner

Source: Bell County records, as of March 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7098 TROYAN LN, TEMPLE, TX 76502-4463
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
Aug 31, 2023	Deed of Trust, Mortgage · VA Mortgage CADENCE BANK NA
Oct 4, 2022	Vendor's Lien, Transfer · Line of Credit BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2025
Deed Sale	May 20, 2025
Prior Sale	Apr 8, 2025
Deed Document Number	202524317
Prior Transfer Date	Mar 29, 2025
Prior Transfer Doc	0000016104
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	7098 TROYAN LN, TEMPLE, TX 76502-4463
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	SUMMIT TITLE AGENCY INC, SUMMIT TITLE AGENCY TX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7098 TROYAN LN, TEMPLE, TX 76502-4463

Mortgage

Document Number	0000012201
Date	Mar 16, 2026
Instrument	2026012201

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	7098 TROYAN LN, TEMPLE, TX 76502-4463
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	NOT AVAILABLE, TEJAS LAND & TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039201
Date	Aug 31, 2023
Instrument	2023039201

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Oct 4, 2022
Property Address	7098 TROYAN LN, TEMPLE, TX 76502-4463
Document Number	0000061714
Map Reference	DOC 2021022313
Instrument Date	Sep 29, 2022
Instrument	2022061714
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	NOT AVAILABLE, TEJAS LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 803, BELTON, TX 76513-0803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7098 TROYAN LN, TEMPLE, TX 76502-4463

Mortgage

Document Number	0000061715
Date	Oct 4, 2022
Instrument	2022061715

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Unified School District	Academy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,809.00 (+709.66%)	$854,686 (+849.65%) Land $90,000 Building $764,686	$854,686 (+849.65%) Land $90,000 Building $764,686
2023	$1,335.00 (-8.56%)	$90,000 Land $90,000	$90,000 Land $90,000
2022	$1,460.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% 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 TEMPLE serves 94,935 people · EPA ID TX0140005
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2019 Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Altitude ISP, Astound Broadband, SOS Communications.

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