9825 Lower Troy Rd, Troy, TX 76579 Property Records

Bell County property record for 9825 Lower Troy Rd, Troy, TX 76579

Property Summary

Property Type	Single Family Home
Details	1,461 sqft · built 2000
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,717 (2023)
Deeds & Mortgages	May 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0557540800`

Property Details

APN / Parcel Number

Primary APN	`0557540800`
Alternative APNs	`875902` `13358`

Interior

Stories	1 Story
Building Area	1,461 sqft Living Area
1st Floor Area	1,461 sqft
Utility Area	750 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2000
Lot Area	108,900 sqft (2.5 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	90 sqft
Storage Building	750 sqft

Location & Zoning

Account Number	875902
Street Address	9825 LOWER TROY RD
City	TROY
State	TX
Zip	76579-3354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0571BC F H MILLER, 5-6 & 5-6-3, ACRES 2.5 5-6 & 5-6-3,
Legal Subdivision	F H MILLER
Jurisdiction	BELL TX
Township / Civil Division	EAST BELL
Census Block Group	2
Census Block	2034
Census Tract	20102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	9825 LOWER TROY RD, TROY, TX 76579-3354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAPITAL GROUP INC
May 12, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jul 11, 2014	Loan Modification, Mortgage DEAN & LYNN M KJAR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2020
Deed Sale	May 12, 2020
Prior Sale	Jan 26, 2009
Deed Document Number	2020-00022426
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL TX
Property Address	9825 LOWER TROY RD, TROY, TX 76579-3354
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033519
Date	May 27, 2021
Instrument	2021033519

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL TX
Recording Date	May 12, 2020
Property Address	9825 LOWER TROY RD, TROY, TX 76579-3354
Document Number	0000022426
Instrument Date	May 8, 2020
Instrument	22426
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	ATTORNEY ONLY

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	9825 LOWER TROY RD TROY TX 765793354, TROY, TX 76579-3354

Mortgage

Document Number	22427
Date	May 12, 2020
Instrument	22427

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

July 2014: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BELL TX
Property Address	9825 LOWER TROY RD, TROY, TX 76579-3354
Document Number	0000036497
Instrument Date	Jul 11, 2014
Transaction Type	Mortgage
Record Updated	Sep 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 LOWER TROY RD TROY TX 765793354, TROY, TX 76579-3354

Mortgage

Document Number	0000036497
Date	Aug 29, 2018
Book Page	010577/000312
Instrument	36497

Lender

Name	DEAN & LYNN M KJAR

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,717.00 (-31.09%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$447,238 Land $95,313 Building $351,925	$447,238 Land $95,313 Building $351,925
2022	$3,943.00

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	4 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 53% of the US · lower than 69% of Texas
Wildfire Likelihood	0.1% 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	LITTLE ELM VALLEY WSC serves 2,127 people · EPA ID TX0140025
Water Source	Purchased surface water from CENTRAL TEXAS WSC
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100

May also be available: AT&T, T-Mobile, Verizon.

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