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Rural ResidenceResidential
$690,473$271 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

5520 FM 2086

TEMPLE, TX 76501
3
Baths
2,545 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.
20.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$690K
$653K low$728K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$690,473
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$552,378

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,530 (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.$643,744 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,799
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$611,945
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,055,874
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,111,120

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.66
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
59
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.
50
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.197 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.Rural Residence
CountyBell
Lot (acres)The size of the land the home sits on, from county records.20.50
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 338 ft²

Transaction History(2)

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.

M
Rogers Middle SchoolB+
Middle · Grades 6–8 · 12.5 mi
H
Rogers High SchoolB-
High · Grades 9–12 · 12.6 mi
E
Rogers Elementary SchoolC-
Elementary · Grades PK–5 · 12.9 mi

District: Rogers 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.18,782
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.$51,904
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,743
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

5520 Fm 2086 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 98% of homes in Temple 76501
  • Costs more per square foot than 97% of homes in Bell County
  • Bigger than 91% of homes in Temple 76501
  • Among the largest lots in Bell County
  • Newer than 69% 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
$71K$711K

This home is worth more than 98% 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$690,473
CheaperTypical $184,982Pricier

Pricier than 98% of homes nearby

Price per ft²$271
CheaperTypical $130Pricier

Pricier than 95% of homes nearby

Living area2,545 ft²
SmallerTypical 1,476 ft²Bigger

Bigger than 91% of homes nearby

Lot size20.5 ac
SmallerTypical 0.22 acBigger

Bigger than 97% of homes nearby

Year built1995
OlderTypical 1970Newer

Newer than 69% of homes nearby

How 5520 Fm 2086 ranks against every home in each area.
MeasureThis homeTemple 76501Bell County
Estimated valuepricier than$690,47398% of homes97% of homes
Price per ft²pricier than$27195% of homes97% of homes
Living areabigger than2,545 ft²91% of homes84% of homes
Lot sizebigger than20.5 ac97% of homesalmost all homes
Year builtnewer than199569% of homes42% of homes

About 5520 Fm 2086

How much is 5520 Fm 2086, Temple, TX worth?

The TopHap Estimate for 5520 Fm 2086, Temple, TX is $690,473 as of Jul 14, 2026. The likely range is $652,963 to $727,983. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5520 Fm 2086, Temple, TX last sell?

5520 Fm 2086, Temple, TX last sold on Dec 31, 2024, according to the county's recorded deed.

How big is 5520 Fm 2086, Temple, TX?

5520 Fm 2086, Temple, TX has 3 bathrooms, 2,545 square feet of living space and a 20.50-acre lot.

When was 5520 Fm 2086, Temple, TX built?

5520 Fm 2086, Temple, TX was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 5520 Fm 2086, Temple, TX?

5520 Fm 2086, Temple, TX is assigned to Rogers Middle School (middle), rated B+; Rogers High School (high), rated B-; Rogers Elementary School (elementary), rated C-. All sit in Rogers Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5520 Fm 2086, Temple, TX compare to other homes in Temple 76501?

Among the 6,454 homes in Temple 76501, it is worth more than 98% of them ($690,473 against a typical $184,982), its price per square foot is higher than 95% of them ($271 against a typical $130), it is bigger than 91% of them (2,545 ft² against a typical 1,476 ft²), its lot is bigger than 97% of them (20.5 ac against a typical 0.22 ac) and it is newer than 69% of them (1995 against a typical 1970). Measured against all of Bell County, it is worth more than 97% 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 5520 Fm 2086, Temple, TX?

The 2024 property tax bill for 5520 Fm 2086, Temple, TX was $5,530. The county assessed it at $643,744.

Closest homes

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Assigned schools

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