7540 E US Hwy 190, Temple, TX 76501 Property Records

Bell County property record for 7540 E US Hwy 190, Temple, TX 76501

Property Summary

Property Type	Single Family Home
Details	1,600 sqft · built 2022
Lot Size	0.759 acres (33,062 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,306 (Apr 2023)
Tax Bill	$3,368 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0430072931`

Property Details

APN / Parcel Number

Primary APN	`0430072931`
Alternative APN	`510434`

Interior

Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,062 sqft (0.759 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7540 E US HIGHWAY 190
City	TEMPLE
State	TX
Zip	76501-7341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS SUBDIVISION, BLOCK 001, LOT 0002, ACRES .759
Legal Subdivision	THOMAS SUBDIVISION
Legal Block	1
Legal Lot Number	2
Jurisdiction	BELL TX
Township / Civil Division	ROGERS
Census Block Group	1
Census Block	1022
Census Tract	23402

Owner

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

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	2 Individual Names on Record
Mailing Address	7540 E US HIGHWAY 190, TEMPLE, TX 76501-7341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK
Jan 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA
Apr 17, 2023	Vendor's Lien, Transfer · FHA Mortgage LOWER LLCA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Oct 18, 2022
Deed Document Number	202315769
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	7540 E US HIGHWAY 190, TEMPLE, TX 76501-7341
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 VISTA DR, BELTON, TX 76513-6362

Mortgage

Document Number	0000063529
Date	Oct 14, 2022
Instrument	2022063529

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	BELTON, TX 76513

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	7540 E US HIGHWAY 190, TEMPLE, TX 76501-7341
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003485
Date	Jan 26, 2023
Instrument	2023003485

Lender

Name	CADENCE BANK NA
Type	Bank
Address	BELTON, TX 76513

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BELL TX
Recording Date	Apr 17, 2023
Property Address	7540 E US HIGHWAY 190, TEMPLE, TX 76501-7341
Document Number	0000015769
Map Reference	FILE 2021-082728
Instrument Date	Apr 14, 2023
Instrument	2023015769
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	TEJAS LAND & TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7540 EAST US HIGHWAY 10, TEMPLE, TX 76501

Mortgage

Document Number	0000015770
Date	Apr 17, 2023
Instrument	2023015770

Lender

Name	LOWER LLCA
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Mortgage

Document Number	0000015771
Date	Apr 17, 2023
Instrument	2023015771

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 14, 2026

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	$3,368.00 (-15.95%)	$275,216 (+1.87%) Land $46,455 Building $228,761	$275,216 (+1.87%) Land $46,455 Building $228,761
2023	$4,007.00 (+479.05%)	$270,156 Land $42,660 Building $227,496	$270,156 Land $42,660 Building $227,496
2022	$692.00

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
Nearby Flood Policies	2 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	0.06% 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	EAST BELL WSC serves 4,287 people · EPA ID TX0140118
Water Source	Purchased surface water from CENTRAL TEXAS WSC
Last State Inspection	Sep 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
SOS Communications Fixed Wireless	100 / 20

May also be available: Altitude ISP, AT&T, Brightspeed, T-Mobile.

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