902 Saratoga Dr, Temple, TX 76504 Property Records

Bell County property record for 902 Saratoga Dr, Temple, TX 76504

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,462 sqft · built 1977
Lot Size	0.19 acres (8,273 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (Jul 2018)
Tax Bill	$2,025 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0090364300`

Property Details

APN / Parcel Number

Primary APN	`0090364300`
Alternative APNs	`847157` `58618`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	1,462 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,273 sqft (0.19 acres)
Lot Dimensions	117 ft deep x 70 ft wide
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Canopy	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	902 SARATOGA DR
City	TEMPLE
State	TX
Zip	76504-7922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF2
Legal Description	NORTHWEST HILLS, BLOCK 005, LOT 0013
Legal Subdivision	NORTHWEST HILLS
Legal Block	5
Legal Lot Number	13
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	2
Census Block	2012
Census Tract	20401

Owner

Source: Bell County records, as of March 9, 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	902 SARATOGA DR, TEMPLE, TX 76504-7922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 24, 2018	Warranty Deed, Transfer USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Deed Document Number	201830679
Prior Transfer Date	Jul 19, 2018
Prior Transfer Doc	0000030679
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	902 SARATOGA DR, TEMPLE, TX 76504-7922
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 SARATOGA DR, TEMPLE, TX 76504-7922

Mortgage

Document Number	0000007913
Date	Feb 20, 2026
Instrument	2026007913

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	902 SARATOGA DR, TEMPLE, TX 76504-7922
Transaction Type	Mortgage
Record Updated	May 8, 2024
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 SARATOGA DR, TEMPLE, TX 76504-7922

Mortgage

Document Number	0000016920
Date	Apr 23, 2024
Instrument	2024016920

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Jul 24, 2018
Property Address	902 SARATOGA DR, TEMPLE, TX 76504-7922
Document Number	0000030679
Book / Page	010535 / 000839
Instrument Date	Jul 19, 2018
Instrument	30679
Transaction Type	Transfer
Record Updated	Aug 10, 2018
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	902 SARATOGA DR TEMPLE TX 765047922, TEMPLE, TX 76504-7922

Mortgage

Document Number	30680
Date	Jul 24, 2018
Book Page	010535/000843
Instrument	30680

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bell County
Municipality	Temple City
Unified School District	Temple Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,025.00 (-58.22%)	$211,472 (+0.02%) Land $34,000 Building $177,472	$211,472 (+0.02%) Land $34,000 Building $177,472
2023	$4,847.00 (+10.33%)	$211,431 Land $28,000 Building $183,431	$211,431 Land $28,000 Building $183,431
2022	$4,393.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink.

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