965 Ridgeoak Dr, Belton, TX 76513 Property Records

Bell County property record for 965 Ridgeoak Dr, Belton, TX 76513

Property Summary

Property Type	Single Family Home
Details	2,911 sqft · built 2013
Lot Size	0.521 acres (22,708 sqft)
Owner	2 Individual Names on File
Last Sale	$531,867 (Apr 2026)
Tax Bill	$7,690 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0430070913`

Property Details

APN / Parcel Number

Primary APN	`0430070913`
Alternative APNs	`447428` `842427`

Interior

Stories	1 Story
Building Area	2,911 sqft Living Area
1st Floor Area	2,911 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,708 sqft (0.521 acres)
Garage Area	885 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	553 sqft
Lawn Sprinklers	Lawn Sprinklers

Location & Zoning

Street Address	965 RIDGEOAK DR
City	BELTON
State	TX
Zip	76513-6278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RANCH AT WOODLAND TRAILS PHASE I, BLOCK 002, LOT 0007
Legal Subdivision	THE RANCH AT WOODLAND TRAILS PHASE I
Legal Block	2
Legal Lot Number	7
Jurisdiction	BELL TX
Township / Civil Division	NORTHWEST BELL
Census Block Group	1
Census Block	1011
Census Tract	20201

Owner

965 Ridgeoak Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Bell County records, as of April 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	965 RIDGEOAK DR, BELTON, TX 76513-6278
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Feb 5, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST BANK
Apr 9, 2026	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 10, 2018	Warranty Deed, Transfer · VA Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2026 · Amount on File
Deed Sale	Apr 9, 2026 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Document Number	202617084
Prior Transfer Date	Aug 1, 2013
Prior Transfer Doc	0000034274
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	965 RIDGEOAK DR, BELTON, TX 76513-6278
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007796
Date	Feb 5, 2021
Instrument	2021007796

Lender

Name	FIRST BANK
Type	Bank
Address	HAZELWOOD, MO 63042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL TX
Recording Date	Apr 9, 2026
Property Address	965 RIDGEOAK DR, BELTON, TX 76513-6278
Document Number	0000017084
Instrument Date	Apr 9, 2026
Instrument	2026.17084
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 RIDGEOAK DR, BELTON, TX 76513-6278

Mortgage

Document Number	0000017085,
Date	Apr 9, 2026
Instrument	2026.17085

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	Apr 10, 2018
Property Address	965 RIDGEOAK DR, BELTON, TX 76513-6278
Document Number	0000014280
Instrument Date	Apr 9, 2018
Instrument	14280
Transaction Type	Transfer
Record Updated	Apr 27, 2018
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	965 RIDGEOAK DR BELTON TX 765136278, BELTON, TX 76513-6278

Mortgage

Document Number	14281
Date	Apr 10, 2018
Instrument	14281

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 965 Ridgeoak Dr was $7,690 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,690.00	$569,562	$709,117 Land $55,000 Building $654,117
2023	$6,441.00 (-12.58%) Homeowner's exemption	$648,786 Land $50,000 Building $598,786	$648,786 Land $50,000 Building $598,786
2022	$7,368.00

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

Flood

FEMA maps place 965 Ridgeoak Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	9 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2019 · other causes

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

Wildfire risk around 965 Ridgeoak Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.03% 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 267 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Altitude ISP, Nextlink.

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