906 Saratoga Dr, Temple, TX 76504 Property Records

Bell County property record for 906 Saratoga Dr, Temple, TX 76504

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1977
Lot Size	0.186 acres (8,120 sqft)
Owner	Individual Name on File
Tax Bill	$1,181 (2023)
Deeds & Mortgages	Apr 2022 Reverse Mortgage Apr 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0090364205`

Property Details

APN / Parcel Number

Primary APN	`0090364205`
Alternative APNs	`871578` `15166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	116 ft deep x 70 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	871578
Street Address	906 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 0012
Legal Subdivision	NORTHWEST HILLS
Legal Block	5
Legal Lot Number	12
Jurisdiction	BELL TX
Township / Civil Division	TEMPLE
Census Block Group	2
Census Block	2012
Census Tract	20401

Owner

906 Saratoga Dr is owned and occupied by an individual who acquired it in April 2022.

Source: Bell County records, as of April 1, 2024

Owner of Record	Individual Name on File
Mailing Address	906 SARATOGA DR, TEMPLE, TX 76504-7922
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 29, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 29, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 11, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 11, 2022
Transfer Doc	0000022738
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	906 SARATOGA DR, TEMPLE, TX 76504-7922
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	TIMIOS INC, TIMIOS INC TEXAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 SARATOGA DR, TEMPLE, TX 76504-7922

Mortgage

Document Number	0000027163
Date	Apr 29, 2022
Instrument	2022027163

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.3%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	906 SARATOGA DR, TEMPLE, TX 76504-7922
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	TIMIOS INC, TIMIOS INC TEXAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 SARATOGA DR, TEMPLE, TX 76504-7922

Mortgage

Document Number	0000027162
Date	Apr 29, 2022
Instrument	2022027162

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.3%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL TX
Recording Date	Apr 11, 2022
Property Address	906 SARATOGA DR, TEMPLE, TX 76504-7922
Document Number	0000022738
Map Reference	CAB A SL 261-D
Instrument Date	Aug 30, 2016
Instrument	2022022738
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 25, BARTLETT, TX 76511-0025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 SARATOGA DR, TEMPLE, TX 76504-7922

Tax Assessment & Valuation

Source: Bell County assessment roll, as of August 1, 2023

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
2023	$1,181.00 (-46.29%) Homeowner's exemption Senior Citizen's exemption	$216,882 Land $28,000 Building $188,882	$216,882 Land $28,000 Building $188,882
2022	$2,199.00

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

Flood

FEMA maps place 906 Saratoga Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 906 Saratoga Dr is low, with less than a 0.01% annual chance of 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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