Rancho Del Lago, Belton TX The Lake Belton Data File.

5 Rancho Del Lago sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians. The group uses Residential MLS records with City Belton, Temple or Morgans Point Resort and the stated subdivision-name variants, without a price screen or deduplication. The CTXMLS exports were observed September 2 and October 3, 2026; the September 2 export supplies closings through April 30, 2026 and the October 3 export supplies May 1 onward. With so few sales, ask your lender how the appraiser will find comparables before you offer near the top of the asking range.

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Closed-sale sample, October 3, 2025–October 2, 2026

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Aggregate sample only; individual property rows are omitted. Groups under ten show counts only. Window: October 3, 2025–October 2, 2026. Source: CTXMLS exports observed September 2 and October 3, 2026.

Sold history by year

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Sources: the 2021–2025 rows use the local Bell County closed-sale history (the original extract of 29 recorded Rancho Del Lago sales, year built 2017–2024). The 2026 row uses 3 January 1–September 1 closings from the CTXMLS export observed September 2, 2026. The 29-record count and year-built range describe the original extract, not the sum of the rows above.

The original local closed-history extract holds 29 recorded Rancho Del Lago sales; that count is not the total of the updated yearly rows. Price per square foot was $258 in 2024 and $256 in 2025. Yearly medians swing more, $709,750 in 2022 and $674,500 in 2024, because each year holds one to twelve sales. The 2026 row is January 1 through September 1 only (3 sales, $660,000 median), taken from the 12-month export, so read it as a partial year.

The CTXMLS status snapshot observed October 3, 2026 showed 3 Active listings and 1 pending. Asking prices ran $525,000–$869,000. The top is a 2026 Carothers build on Dos Rios at $869,000; that matches the builder’s Phase IV pricing of new homes from the $869,000s. The other actives are resales: a 2018 home on Roca Trail at $639,000 and a 2019 home on Rancho Del Lago Lane at $525,000 after 214 days. A 2017 home on Salta Court was pending, asking $660,000. This is a dated snapshot, not live availability.

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3 Active plus 1 pending/under contract, observed October 3, 2026. Not live availability; confirm current status before an offer.

Rancho Del Lago is essentially a one-builder subdivision. Carothers Executive Homes markets Phase IV on Airosa Drive with new homes from the $869,000s, plans of 2,379–3,960 sq ft and “large wooded lots” (builder page, accessed September 30, 2026). The local history dates the stock: six recorded sales each of 2017, 2018 and 2019 builds, a thinner 2020–2023 stretch, then six of 2024. Sampled listings showed lots of 0.53–0.65 acre. Plat dates and the developer were not confirmed. The lake photos on this page are context shots from Taylor’s earlier Lake Belton flights, not this subdivision; he has asked to shoot his own Rancho Del Lago aerials.

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Year-built distribution of sales in the original 29-record local history extract. It counts sales records, not unique homes built, and it is a different cohort from the refreshed 2026 row in the history table.

Start with the city line, because the mailing address points the wrong way. In the September 30, 2026 review, the U.S. Census geocoder placed every Rancho Del Lago address tested, including Phase IV, inside Morgan’s Point Resort city limits and Belton ISD; the MLS InCityLimits field reads Yes (4), Undefined (1). On the Bell CAD 2025 rate chart, dated September 30, 2025, that means a 0.6398 city rate with no city homestead or over-65 exemption listed, and about 2.124 per $100 before any college or ESD line. No MUD or PID appears. Belton ISD reports an adopted 2026–27 rate of 1.1177 per $100. The table below retains the 2025 rates for comparison; confirm every current taxing unit, rate and exemption on the parcel before budgeting. The Temple-area property tax guide shows how exemptions change a bill.

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Rates per $100 of taxable value. Use the parcel’s actual taxing units, taxable value and exemptions at Bell CAD; a neighborhood-wide percentage is not a bill.

HOA

The MLS HOA field reads Mandatory on all five closed records. The only sourced dues figure is $250 a year, on one Roca Trail listing record, and hoa.texas.gov showed no Rancho Del Lago management certificate by name or city on September 30, 2026. Portal snippets mention other dues, a “private fishing lake” and a “sport court”; none could be confirmed. Order the recorded CCRs, dues statement and resale certificate before the option period ends. Most “Rancho Del Lago HOA” search results describe Del Webb’s community in Vail, Arizona.

Utilities and service providers

• Water: listed as public; the City of Morgan's Point Resort runs its own system (Public Utilities, 254-674-9340). Confirm the provider.
• Wastewater: septic tank per listing records; the city lists no sewer service.
• Trash: Waste Management, per the city's utilities page.
• Electric: provider not confirmed; ask the seller for a recent bill.
• Internet: AT&T says fiber reaches parts of Morgan's Point Resort; check the FCC broadband map by address.

Belton ISD redrew elementary boundaries for 2024–25 to open Burrell and Hubbard Branch elementaries; the district says middle and high school boundaries did not change, and the map is unchanged for 2026–27 (BISD attendance boundaries). On the district’s boundary map, the High Point zone covers Morgan’s Point Resort and the FM 2483 corridor. Lake Belton High, at 9809 FM 2483, opened in fall 2020 and sits about 1.8 road miles east of the subdivision entrance. TEA letters are dated state measures and a starting point for your own questions. Two cautions: there is no “Lake Belton ISD,” despite some listing remarks; and Lago Terra, 1.2 road miles away, is assigned to Lakewood Elementary (A in the same release). Compare assignments in the Belton ISD neighborhood guide.

OpenStreetMap routing estimates each trip from the middle of the subdivision (October 5, 2026, no traffic): BSW Temple is 8.7 miles, about 16 minutes; the Fort Hood main gate 25.1 miles, about 33 minutes; downtown Belton 7.5 miles. The entrance ties into Morgan’s Point Road (FM 2483), not TX-317 as builder marketing says. The table’s Cedar Ridge route ends at a fee park; the closest free 24-hour ramp is Rogers Park, 2.5 road miles in the commute table. Compare neighborhoods near BSW by commute.

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Estimated October 5, 2026 with two routing engines (OSRM and Valhalla) on OpenStreetMap data, no traffic, from the middle of Rancho Del Lago’s platted lots (median of 117 Bell CAD parcel centers). Minutes average the two engines, with their range in parentheses where they differ by three or more; miles follow the OSRM route. Parking, gate lines and school drop-off are not included. Weekday peaks run 6–9 a.m. and 4–7 p.m. (Killeen-Temple MPO, 2023), so drive the route then before you commit. Route data © OpenStreetMap contributors (ODbL).

Test the route at your real departure time before you offer, from the actual home to your parking lot or gate. For Fort Hood, confirm your gate and allow for access checks. Run the school drop-off on FM 2483 at bell times. These estimates assume no traffic; they are not a rush-hour test.

Lago Terra, 1.2 road miles away off FM 2305, is the closest comparison and a different package: inside Temple city limits per the Census geocoder, on city water and sewer, assigned to Lakewood Elementary, with a double-gated Phase III whose back lots abut Corps land at a cove. Its 4 closings in the same window are too few for a median. High Crest’s InCityLimits field reads No on all eight closed records, which suggests no city tax line there; verify at Bell CAD.

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Current-window groups with fewer than ten sales are shown by count only, without medians. Each row uses its own sales count from the same CTXMLS window, October 3, 2025–October 2, 2026. Colinas Del Lago (Killeen ISD) and Twin Mountains (south shore) are not neighbors of this subdivision.