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Single Family ResidenceResidential
$186,991$118 / 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 94How 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

3915 RIVER OAKS CIR

TEMPLE, TX 76504
2
Baths
1,585 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.
3,572 ft²
Lot SizeThe size of the land the home sits on, from county records.
1987
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

$187K
$175K low$199K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,361 (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.$163,049 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$133,049
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$161,542
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$163,049

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.41 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.0.08
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Western Hills Elementary SchoolC-
Elementary · Grades KG–5 · 0.5 mi
H
Temple High SchoolD
High · Grades 9–12 · 1.7 mi
M
Bonham Middle SchoolC+
Middle · Grades 6–8 · 2.4 mi

District: Temple Independent School District

Neighborhood · ZIP 76504These 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.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.119
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.26,379
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.851 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$47,759
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$58,449
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%

Owner Tools

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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

3915 River Oaks Cir 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 less than 76% of homes in Bell County
  • Costs less per square foot than 79% of homes in Bell County
  • Bigger than 66% of homes in Temple 76504
  • Among the smallest lots in Bell County
  • Older than 67% of homes in Bell County

What homes are worth in Temple 76504

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

This home
$75K$449K

This home is worth more than 54% of homes in Temple 76504.

How it measures up in Temple 76504

The dot is this home. The mark in the middle is the typical home in Temple 76504.

Estimated value$186,991
CheaperTypical $179,035Pricier

Pricier than 54% of homes nearby

Price per ft²$118
CheaperTypical $130Pricier

Pricier than 32% of homes nearby

Living area1,585 ft²
SmallerTypical 1,398 ft²Bigger

Bigger than 66% of homes nearby

Lot size3,572 ft²
SmallerTypical 0.18 acBigger

Bigger than 2% of homes nearby

Year built1987
OlderTypical 1972Newer

Newer than 66% of homes nearby

How 3915 River Oaks Cir ranks against every home in each area.
MeasureThis homeTemple 76504Bell County
Estimated valuepricier than$186,99154% of homes24% of homes
Price per ft²pricier than$11832% of homes21% of homes
Living areabigger than1,585 ft²66% of homes40% of homes
Lot sizebigger than3,572 ft²2% of homesalmost no homes
Year builtnewer than198766% of homes33% of homes

About 3915 River Oaks Cir

How much is 3915 River Oaks Cir, Temple, TX worth?

The TopHap Estimate for 3915 River Oaks Cir, Temple, TX is $186,991 as of Sep 24, 2026. The likely range is $175,182 to $198,800. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3915 River Oaks Cir, Temple, TX last sell?

3915 River Oaks Cir, Temple, TX last sold on Nov 13, 2020, according to the county's recorded deed.

How big is 3915 River Oaks Cir, Temple, TX?

3915 River Oaks Cir, Temple, TX has 2 bathrooms, 1,585 square feet of living space and a 0.08-acre lot.

When was 3915 River Oaks Cir, Temple, TX built?

3915 River Oaks Cir, Temple, TX was built in 1987, making it 39 years old. The building has 1 story.

What schools serve 3915 River Oaks Cir, Temple, TX?

3915 River Oaks Cir, Temple, TX is assigned to Western Hills Elementary School (elementary), rated C-; Temple High School (high), rated D; Bonham Middle School (middle), rated C+. All sit in Temple Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3915 River Oaks Cir, Temple, TX compare to other homes in Temple 76504?

Among the 7,656 homes in Temple 76504, it is worth more than 54% of them ($186,991 against a typical $179,035), its price per square foot is higher than 32% of them ($118 against a typical $130), it is bigger than 66% of them (1,585 ft² against a typical 1,398 ft²), its lot is bigger than 2% of them (3,572 ft² against a typical 0.18 ac) and it is newer than 66% of them (1987 against a typical 1972). Measured against all of Bell County, it is worth more than 24% 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 3915 River Oaks Cir, Temple, TX?

The 2024 property tax bill for 3915 River Oaks Cir, Temple, TX was $2,361. The county assessed it at $163,049.

More homes on River Oaks Cir

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