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Single Family ResidenceResidential
$391,510$212 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

3209 FM 438

TEMPLE, TX 76501
3
Beds
2
Baths
1,846 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$392K
$296K low$487K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,006 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$337,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,440
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$336,753
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$306,636
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$350,193

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.51
29
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
55
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
49
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBell
Lot (acres)The size of the land the home sits on, from county records.0.39
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.BalconyPatio · 98 ft²Porch · 201 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Hector P. Garcia Elementary SchoolB-
Elementary · Grades KG–5 · 1.6 mi
M
Lamar Middle SchoolC+
Middle · Grades 6–8 · 2.4 mi
H
Temple High SchoolD
High · Grades 9–12 · 3.5 mi

District: Temple Independent School District

Neighborhood · ZIP 76501These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.25%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.18,778
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,901
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,741
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3209 Fm 438 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 89% of homes in Temple 76501
  • Costs more per square foot than 92% of homes in Bell County
  • Bigger than 73% of homes in Temple 76501
  • Has a bigger lot than 78% of homes in Bell County
  • Newer than 67% of homes in Temple 76501

What homes are worth in Temple 76501

Each bar is how many homes fall in that price range. The marker is this home.

This home
$66K$672K

This home is worth more than 89% of homes in Temple 76501.

How it measures up in Temple 76501

The dot is this home. The mark in the middle is the typical home in Temple 76501.

Estimated value$391,510
CheaperTypical $173,615Pricier

Pricier than 89% of homes nearby

Price per ft²$212
CheaperTypical $120Pricier

Pricier than 90% of homes nearby

Living area1,846 ft²
SmallerTypical 1,470 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.39 ac
SmallerTypical 0.22 acBigger

Bigger than 71% of homes nearby

Year built1993
OlderTypical 1970Newer

Newer than 67% of homes nearby

How 3209 Fm 438 ranks against every home in each area.
MeasureThis homeTemple 76501Bell County
Estimated valuepricier than$391,51089% of homes84% of homes
Price per ft²pricier than$21290% of homes92% of homes
Living areabigger than1,846 ft²73% of homes57% of homes
Lot sizebigger than0.39 ac71% of homes78% of homes
Year builtnewer than199367% of homes38% of homes

About 3209 Fm 438

How much is 3209 Fm 438, Temple, TX worth?

The TopHap Estimate for 3209 Fm 438, Temple, TX is $391,510 as of Sep 24, 2026. The likely range is $295,948 to $487,072. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3209 Fm 438, Temple, TX last sell?

3209 Fm 438, Temple, TX last sold on Jun 15, 2020, according to the county's recorded deed.

How big is 3209 Fm 438, Temple, TX?

3209 Fm 438, Temple, TX has 3 bedrooms, 2 bathrooms, 1,846 square feet of living space and a 0.39-acre lot.

When was 3209 Fm 438, Temple, TX built?

3209 Fm 438, Temple, TX was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 3209 Fm 438, Temple, TX?

3209 Fm 438, Temple, TX is assigned to Hector P. Garcia Elementary School (elementary), rated B-; Lamar Middle School (middle), rated C+; Temple High School (high), rated D. All sit in Temple Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3209 Fm 438, Temple, TX compare to other homes in Temple 76501?

Among the 6,413 homes in Temple 76501, it is worth more than 89% of them ($391,510 against a typical $173,615), its price per square foot is higher than 90% of them ($212 against a typical $120), it is bigger than 73% of them (1,846 ft² against a typical 1,470 ft²), its lot is bigger than 71% of them (0.39 ac against a typical 0.22 ac) and it is newer than 67% of them (1993 against a typical 1970). Measured against all of Bell County, it is worth more than 84% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3209 Fm 438, Temple, TX?

The 2024 property tax bill for 3209 Fm 438, Temple, TX was $4,006. The county assessed it at $337,300.

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