Lago Terra, Belton TX The Custom-Home Data File.
Lago Terra is a custom-home subdivision off FM 2305, just west of Lakewood Elementary. It has a Belton mailing address but sits inside Temple city limits. 4 Lago Terra sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians. Compare Temple's city tax line, the HOA resale certificate and the lake edge: Corps land, no private docks.
Is Lago Terra a good place to live in Belton, TX?
Lago Terra is worth a close look if you want a newer custom home on a large lot near Lake Belton and can work with few comparable sales. 4 Lago Terra sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians. The address says Belton; the Census geocoder and the HOA's state filing put it inside Temple city limits, so Temple's city tax applies. Taylor Dasch said on September 30, 2026: "Very nice homes, custom builds, newer homes and really nice mature trees". Phase III rear lots back up to public Corps land at the water's edge. There are no private docks on Lake Belton.
- 4 Lago Terra sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians.
- Same 4 closings: built 2013–2024; MLS builder field not recorded on 3 of 4.
- The CTXMLS snapshot observed October 3, 2026 showed 3 Active listings and 0 pending or under contract. Fewer than ten Active listings are shown by count only, without medians.
- Inside Temple city limits per the US Census geocoder (checked September 30, 2026); Temple's 2025 city rate is 0.6999 per $100.
- Belton ISD: Lakewood ES (A), Lake Belton MS (B), Lake Belton HS (A) in TEA ratings released August 14, 2026.
- No private docks on Lake Belton; Temple's Lake Park ramp is 2.9 road miles from the middle of the subdivision (OpenStreetMap routing, October 5, 2026; fee ramp).
Closed October 3, 2025–October 2, 2026 (CTXMLS exports observed September 2 and October 3, 2026). Inventory: CTXMLS status snapshot observed October 3, 2026.
Is Lago Terra right for your move?
Buy Lago Terra for the house, the lot and the trees, not for a boat slip. You get custom homes built 2013–2024, city water and sewer, Belton ISD, and Temple city taxes under a Belton address. You give up depth: 4 closings in the October 3, 2025–October 2, 2026 window and 3 Active on October 3, 2026. Price each home on its own.
Consider it if
- You want a custom-built home on a large lot with mature trees.
- You want city water and sewer, not septic.
- You want Belton ISD's Lakewood Elementary zone (confirm by address).
- You can negotiate patiently in a thin market.
Look elsewhere if
- You need a private dock or waterfront; Lake Belton has neither.
- Your ceiling is under the $674,999 low ask on October 3, 2026.
- You want Belton city limits for taxes or services.
What have Lago Terra homes actually sold for?
Four Lago Terra homes closed from October 3, 2025–October 2, 2026 (CTXMLS exports observed September 2 and October 3, 2026). Medians and sold-price ranges are withheld for this group under ten. Year built ran 2013–2024. All four carry the MLS subdivision name ‘Lago Terra Ph II’, and the MLS city field reads Belton even though the homes sit inside Temple city limits. One search note: ‘Terra Lago’ is a different community in Rowlett. With four sales, read this as a small group of houses, not a market index. 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.
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| Metric | Value | Definition / date |
|---|---|---|
| Median sale price | Not shown (under 10) | 4 recorded closings · Oct 3, 2025–Oct 2, 2026 |
| Sold range | Not shown (under 10) | Lowest and highest recorded close in the window |
| Median MLS DOM · closed | Not shown (under 10) | Median of the exported DOM field; not elapsed time to closing |
| Median sold price / square foot | Not shown (under 10) | Under 10 ratios; median not shown |
| Median size | Not shown (under 10) | Recorded SqFtTotal |
| Year built · closed cohort | Not shown (under 10) | Recorded YearBuilt across the cohort |
| Recorded lot | Not shown (under 10) | ApxAcreage field; verify on the survey |
| Builder field | not recorded (3), Carothers (1) | MLS BuilderName; blank means not recorded, not unknown builder |
| HOA field | Mandatory (4) | MLS HOA field; confirm with current documents |
| InCityLimits field | Yes (3), blank (1) | MLS field; confirm the parcel’s taxing units at Bell CAD |
| Closed-sale sample | 4 records | Name variants: Lago Terra Ph II (4) |
Closed-sale sample, October 3, 2025–October 2, 2026
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| Cohort | Sales | Median price | Median sq ft | Median $/sq ft | Build years | Median DOM | Builder counts |
|---|---|---|---|---|---|---|---|
| Lago Terra | 4 | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | not recorded (3), Carothers (1) |
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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| Close year | Sales | Median sold | Median $/sq ft |
|---|---|---|---|
| 2021 | 6 | $612,000 | $203/sq ft |
| 2022 | 6 | $719,500 | $228/sq ft |
| 2023 | 5 | $849,000 | $243/sq ft |
| 2024 | 4 | $698,250 | $239/sq ft |
| 2025 | 5 | $875,000 | $238/sq ft |
| 2026 (Jan 1–Sep 1) | 3 | $785,000 | $261/sq ft |
Sources: the 2021–2025 rows use the local Bell County closed-sale history (the original extract of 26 recorded Lago Terra sales, year built 2013–2023). The 2026 row uses 3 January 1–September 1 closings from the CTXMLS export observed September 2, 2026. The 26-record count and year-built range describe the original extract, not the sum of the rows above.
By close year the median went $612,000 (2021), $719,500 (2022), $849,000 (2023), $698,250 (2024) and $875,000 (2025) on 6, 6, 5, 4 and 5 sales, a zigzag that mostly reflects which houses sold. Price per square foot is steadier: $203/sq ft in 2021, then $228/sq ft, $243/sq ft, $239/sq ft and $238/sq ft. The 2026 row covers January 1–September 1: 3 closings at a $785,000 median and $261/sq ft median, from the CTXMLS export observed September 2, 2026. It is a partial year.
What is for sale in Lago Terra right now?
The CTXMLS status snapshot observed October 3, 2026 showed 3 Active listings in Lago Terra and 0 pending or under contract. Asking prices ran $674,999–$1,050,000. The MLS builder field names Carothers on all three. This is a status snapshot of homes, not live availability; the Phase III lot listing is not in it. For the wider market, see Belton-area homes for sale.
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| Status | Listings | Median ask | Median sq ft | Build years | Median DOM | Builder counts |
|---|---|---|---|---|---|---|
| Active | 3 | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | Carothers (3) |
| Pending / under contract | 0 | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | Not shown (under 10) | None |
3 Active plus 0 pending/under contract, observed October 3, 2026. Not live availability; confirm current status before an offer.
The $1,050,000 ask is the highest of 3 Active listings observed October 3, 2026. Size, lot or finish may support it. Ask the listing agent for the comps behind it and expect an appraiser to reach outside Lago Terra. With 4 closings, the sample is too small for a median.
Who built Lago Terra, and when?
The HOA’s state management certificate lists Phases I and II platted at Cabinet D, Slides 368A–B under a 2012 declaration, and Phase III platted in 2018 under its own declaration and supplement. The local closed history holds 26 Lago Terra sales built 2013–2023, led by 2021 (8) and 2022 (5); where the MLS builder field is filled, it names Carothers. Listings reviewed for this guide showed lots of 0.48–0.81 acres. The photos here are context photos of Lake Belton, not Lago Terra; neighborhood-specific aerials remain pending under the September 30, 2026 owner addendum.
Platted at Bell County Cabinet D, Slides 368A–B. Every closing in the 12-month window carries the MLS name 'Lago Terra Ph II'. Phase II lots sit about 0.34 mile from the mapped shoreline (OpenStreetMap estimate): lake-area lots, not lake-edge lots.
Platted in 2018 (Inst. 2018-44002) with its own declaration (2018-46168) and supplement (2018-49237). Listing copy calls it double-gated with partial lake views. Rear lots abut Corps land (about 0.06 mile to the mapped shoreline), and a resident-only trail leads to a natural rock cove.
Lot listing copy reviewed September 30, 2026 offers 0.52-acre lots at $249,900 and invites buyers to bring a preferred custom builder. You carry the design, review and build timeline. Confirm the lot is still available and read the architectural rules first.
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| Year built | Sales in the original extract |
|---|---|
| 2013 | 2 |
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 3 |
| 2017 | 1 |
| 2018 | 2 |
| 2020 | 1 |
| 2021 | 8 |
| 2022 | 5 |
| 2023 | 1 |
Year-built distribution of sales in the original 26-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.
Rancho Del Lago, 1.2 road miles away, lists public water with a septic tank. Lago Terra's listing copy says city water and sewer, no septic required, which fits its Temple city-limits location. On lots this size, that takes septic inspection and pumping out of the purchase. Confirm the sewer account; the provider was not confirmed.
What does Lago Terra cost to own: HOA, taxes, city limits?
Lago Terra has a Belton mailing address, but the US Census geocoder places it inside Temple city limits, and the HOA’s state filing lists its city as Temple. The MLS says Belton in its city field and Yes in its in-city-limits field on three of four current-window closings, so it is easy to price a Lago Terra home with Belton’s city rate by mistake. On the Bell CAD 2025 rate chart, the City of Temple levies 0.6999 per $100 with a 20% homestead exemption. The expected stack is about 2.184 per $100 before any college, ESD or special-district line: arithmetic, not a bill. Read the parcel’s taxing units at Bell CAD, and see the Temple-area property tax guide.
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| Taxing entity | 2025 rate / $100 | Applies to Lago Terra? |
|---|---|---|
| Bell County | 0.3128 | Yes |
| Bell County Road District | 0.0199 | Yes |
| Clearwater UWCD | 0.00223 | Yes |
| City of Temple | 0.6999 | Yes: inside Temple limits per the Census geocoder; 20% homestead exemption |
| Belton ISD | 1.1494 | Yes; state homestead exemption $140,000 |
| Expected base stack (arithmetic) | about 2.184 | Sum of the five lines above; not a bill |
| City of Belton | 0.5225 | No: outside Belton city limits (shown for contrast) |
| Temple College | 0.2017 | Only inside its district; not confirmed, verify on the parcel |
| Central Texas College | 0.09 | Only inside its district; verify on the parcel |
| Temple Health & Bioscience District | 0.013947 | Unverified for this parcel; on the 2025 chart; check the Bell CAD taxing units |
| Bell County ESD #1 | 0.10 | Unincorporated areas only; verify on the parcel |
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 Lago Terra Homeowners Association, Inc. filed a management certificate (Bell County Doc. #2023023184, recorded May 30, 2023) naming Inframark as managing agent. Sale-time charges: a $375 resale certificate, a $275 transfer fee and rush fees of $125–$185. Dues are the open question: portal listings show $40/mo on a Phase II listing, $53/mo on another and $650/yr on a third. Only the resale certificate settles current dues and assessments. Fence, rental, boat, RV and minimum-size rules were not confirmed; read the recorded declarations and see how HOA rental rules work locally.
Utilities and service providers
- Water: city water per listing copy (accessed September 30, 2026); provider presumed City of Temple, not confirmed.
- Sewer: city sewer; Phase III lot copy says no septic is required. Confirm the account.
- Electric: provider not confirmed in the source review; verify by address.
- Internet: no provider confirmed; check the FCC National Broadband Map by address.
- Trash: provider not confirmed; ask the seller for a current bill.
A tax estimate built on Belton's 0.5225 city rate is wrong for Lago Terra, which sits in Temple city limits: 0.6999 per $100 in 2025, softened by a 20% homestead exemption for owners who homestead. Have your lender use the parcel's Bell CAD record, and remember the seller's exemptions do not transfer to you.
Which Belton ISD schools serve Lago Terra?
Lago Terra is in Belton ISD. Listings and the district's boundary map point to Lakewood Elementary, Lake Belton Middle School and Lake Belton High School. TEA's 2026 A–F ratings, released August 14, 2026, gave them an A, a B and an A. Confirm the address in Belton ISD's Infofinder.
Confirm the address in Belton ISD’s Infofinder. Belton ISD redrew elementary boundaries for 2024–25 to open Burrell and Hubbard Branch elementaries; middle and high school boundaries did not change, and the map carries into 2026–27 (BISD attendance boundaries). Read by geography, the elementary boundary map puts the FM 2305 corridor in the Lakewood zone; Lakewood ES sits at 11200 W Adams Ave, just east of the subdivision. Lake Belton MS is at 8818 Tarver Dr, and Lake Belton HS, opened in fall 2020, at 9809 FM 2483. The letters are dated state measures, a starting point for your own research. Two cautions: there is no ‘Lake Belton ISD,’ and Rancho Del Lago, 1.2 road miles away, feeds High Point Elementary (F in the same release). More in the Belton ISD neighborhood guide.
How far is Lago Terra from work?
Lago Terra sits off FM 2305 (West Adams Avenue) between FM 2483 and FM 2271. OpenStreetMap routing estimates these trips from the middle of the subdivision (October 5, 2026, no traffic): BSW Temple 9.4 mi and about 17 min, downtown Temple 8.7 mi and about 16 min, and the Fort Hood main gate 23.6 mi and about 31 min. FM 2271 crosses Belton Dam to FM 439. For other options, see neighborhoods near BSW by commute.
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| Destination | Road miles | Estimated drive (no traffic) |
|---|---|---|
| BSW Temple (main entrance, 2401 S 31st St) | 9.4 mi | 17 min (15–18) |
| Fort Hood main gate (Bernie Beck Gate, T.J. Mills Blvd) | 23.6 mi | 31 min (28–34) |
| Downtown Belton (Bell County Courthouse, 101 E Central Ave) | 7.0 mi | 13 min |
| UMHB (900 College St, Belton) | 5.8 mi | 12 min |
| H-E-B Plus Belton (2509 N Main St) | 4.9 mi | 10 min |
| Downtown Temple (Temple City Hall, 2 N Main St) | 8.7 mi | 16 min |
| Temple Mall / H-E-B (S 31st St, Temple) | 9.0 mi | 16 min (14–17) |
| Cedar Ridge Park boat ramp (Lake Belton) | 8.9 mi | 15 min (13–16) |
| Temple's Lake Park boat ramp (14190 FM 2305) | 2.9 mi | 8 min |
| Rogers Park boat ramp (Lake Belton, free) | 3.5 mi | 7 min |
Estimated October 5, 2026 with two routing engines (OSRM and Valhalla) on OpenStreetMap data, no traffic, from the middle of Lago Terra’s platted lots (median of 98 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 drive at your own hour. These estimates assume no traffic; they are not a rush-hour test. Time BSW to your building and parking, Fort Hood to your gate at report time, and the Lakewood drop-off on a school day.
What should you verify at a Lago Terra property?
Find the flowage easement line
The Corps owns the land at the water and holds a flowage easement to 642 ft on some private land beyond it. Sampled house sites here sit near 664–702 ft (USGS point estimates), but a lot sloping toward Corps land can still cross that line. Get a survey showing the Government boundary and easement line.
Know the rules past your fence
Owners next to Corps land may fence to the Government line, apply for a permit to mow or clear brush to reduce fire hazard, and walk onto it like anyone else. They may not build paths or structures there, leave property, or treat it as private, including the Phase III cove (Corps adjacent-landowner rules).
No private docks under reviewed rules
Corps rules allow private docks only in designated areas, and the Belton Lake Master Plan (December 2018) bars private floating and fixed docks lake-wide, as checked against Corps documents on July 30, 2026. The city-run Morgan’s Point Resort Marina has 148 slips and about a two-year wait. OpenStreetMap routing puts Temple’s Lake Park fee ramp 2.9 road miles from the middle of the subdivision (October 5, 2026).
Plan for a 38-foot swing
Lake Belton fell to 574.64 ft on October 22, 2023, then reached 612.45 ft on May 25, 2024: a 38-foot swing in seven months (TWDB). Conservation pool is 594 ft; the lake read 592.11 ft on September 30, 2026. Some ramps closed in the drought and reopened in April 2024. A cove view changes with the level.
Zone X, and a wooded edge
Points sampled in and around Lago Terra map to FEMA Zone X, minimal flood hazard (Bell County FIRM 48027C); check the exact parcel. No wildfire rating was sourced. With mature trees and Corps land next door, check the Texas A&M Forest Service risk map and price wind, hail and wildfire coverage during the option period.
Get the builder, plans and warranty
Custom homes vary house to house, and the MLS builder field is blank on three of the four current-window closings. Ask for the builder’s name, the plans, any engineer’s foundation letter and warranty status. Mature trees and large windows add their own items: limbs over the roof, root zones near the slab, window seals.
Lago Terra vs nearby alternatives
Rancho Del Lago is the closest comparison, 1.2 road miles away off Morgan’s Point Road, and it differs in ways a median hides: Morgan’s Point Resort city limits (city rate 0.6398, no homestead exemption), public water with septic, mostly one executive builder (Carothers), and a different elementary. Its 5 closings in the same window are, like Lago Terra’s 4, too few for a median. The Bluff at Dunns Hollow and High Crest round out the Belton ISD set.
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| Neighborhood | 12-mo median sold | Sales | Median DOM | HOA field | City limits field | Year built (cohort) |
|---|---|---|---|---|---|---|
| Lago Terra | Not shown (under 10) | 4 | Not shown (under 10) | Mandatory (4) | Yes (3), blank (1) | Not shown (under 10) |
| Rancho Del Lago | Not shown (under 10) | 5 | Not shown (under 10) | Mandatory (5) | Yes (4), Undefined (1) | Not shown (under 10) |
| The Bluff at Dunns Hollow | Not shown (under 10) | 3 | Not shown (under 10) | Mandatory (3) | Yes (3) | Not shown (under 10) |
| High Crest | Not shown (under 10) | 8 | Not shown (under 10) | Mandatory (8) | No (8) | Not shown (under 10) |
Current-window groups with fewer than ten sales are shown by count only, without medians. Closings Oct 3, 2025–Oct 2, 2026; samples this small describe houses, not values. The city-limits column is an MLS field that names no city: Lago Terra sits in Temple's limits, Rancho Del Lago in Morgan's Point Resort's.
Lago Terra, Belton TX — Your Comparison Checklist
Test the drive into Temple
BSW Temple is 9.4 mi and about 17 min from the middle of Lago Terra, with no traffic (OpenStreetMap routing, October 5, 2026). Drive it at your shift change, park at your building, and compare homes closer in. The trees and the lot are the trade for the extra minutes.
Time the gate trip honestly
The Fort Hood main gate is 23.6 mi and about 31 min from Lago Terra, with no traffic (OpenStreetMap routing, October 5, 2026). Confirm your gate and report time; this is not a morning rush-hour test. Weigh that daily drive against the lot and the lake.
Buy the view, not a dock
Phase III rear lots back up to Corps land at a cove; Phase II lots sit about 0.34 mile from the mapped shoreline. The Belton Lake Master Plan reviewed July 30, 2026 prohibits private docks lake-wide; confirm current Corps rules before purchase. Temple's Lake Park is a fee ramp, 2.9 road miles from the middle of the subdivision (OpenStreetMap routing, October 5, 2026). The marina reports an approximately two-year slip wait; confirm current availability.
Price the lot, plans and wait
Phase III lot copy reviewed September 30, 2026 shows 0.52 acres at $249,900 with your choice of custom builder. Add design, architectural review and build time, then compare the total with a finished resale; the October 3 snapshot contained 3 Active listings, too few for a median. Confirm the lot is still listed first.
Lago Terra fits a buyer who wants a newer custom home on a large lot near Lake Belton, with city sewer and Belton ISD, and who accepts Temple city taxes, HOA paperwork and a lake edge you can walk to but not dock at. 4 Lago Terra sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians. Check current competition and compare each house with Rancho Del Lago before deciding how to negotiate.
How to read the Lago Terra numbers
“Very nice homes, custom builds, newer homes and really nice mature trees, which is a hard combo to find here.”
Lago Terra’s Phase III rear lots back up to Corps land at the water’s edge. That edge is public Corps land. The Belton Lake Master Plan reviewed July 30, 2026 prohibits private docks lake-wide; confirm current Corps rules before purchase. The photos on this page are context photos of Lake Belton, not Lago Terra.
4 Lago Terra sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians. This describes closings from October 3, 2025–October 2, 2026 (CTXMLS exports observed September 2 and October 3, 2026); it does not establish current negotiating power or a future sale timeline. Each listing needs its own negotiation strategy. Price per square foot was $243/sq ft, $239/sq ft and $238/sq ft by close year for 2023–2025. Start there, then adjust for lot, trees, view, age and finish.
On October 3, 2026, the 3 Active listings asked $674,999–$1,050,000. Ask for the comparable sales behind the asking price and expect an appraiser to look outside the subdivision.
Several basics were not confirmed: a parcel’s taxing units at Bell CAD, whether Temple College applies, the water and electric providers, the current HOA dues, the developer and deed restrictions such as minimum home size. Each has a document that settles it: the parcel record, the utility account, the recorded declaration and the resale certificate. Get them inside your option period.
Homes for Sale in Lago Terra
Lago Terra inventory changes daily. The CTXMLS snapshot observed October 3, 2026 showed 3 Active listings and 0 pending; this page runs no live feed. Send a request and Taylor checks the current MLS by hand and follows up directly. Nothing is generated automatically.
Tell Taylor what matters: phase, lot size, price ceiling, move date, and whether the gate or the cove trail is on your list. He can also include Rancho Del Lago, 1.2 road miles away, and Phase III lots if you are open to building.
Request current Lago Terra listingsListings change. Before an offer, confirm the property’s current status, price and terms directly in the MLS record.
Compare living in Belton and the Belton ISD neighborhood guide before you choose a street.
Lago Terra FAQ
Is Lago Terra in Belton or Temple?
Both, in different ways. Lago Terra has a Belton mailing address (ZIP 76513) and is in Belton ISD, but the US Census geocoder places it inside Temple city limits, and the HOA's state management certificate lists its city as Temple (both checked September 30, 2026). So City of Temple property tax applies, not City of Belton. Confirm the taxing units on the Bell CAD parcel record.
What do homes in Lago Terra sell for?
4 Lago Terra sales closed from October 3, 2025–October 2, 2026; fewer than ten sales are shown by count only, without medians. Sources: CTXMLS exports observed September 2 and October 3, 2026. All four were recorded as Phase II. Four sales is a thin sample, so price each home on its own size, lot, age and condition.
How many homes are for sale in Lago Terra?
The CTXMLS status snapshot observed October 3, 2026 showed 3 Active listings and 0 pending in Lago Terra. Asking prices ran $674,999–$1,050,000. The MLS builder field named Carothers on all three. Inventory changes daily, so confirm current status, price and terms in the MLS before you make an offer.
Can you have a private dock in Lago Terra?
No. The Belton Lake Master Plan (December 2018) reviewed July 30, 2026 prohibits private docks lake-wide; confirm current Corps rules before purchase. Lago Terra Phase III rear lots abut public Corps land; listing copy describes a resident-only walking trail to the cove. Temple's Lake Park is a fee ramp, 2.9 road miles from the middle of the subdivision by OpenStreetMap routing on October 5, 2026.
What are the HOA dues in Lago Terra?
Not confirmed. Portal listings disagree: $40 per month on one Phase II listing, $53 per month on another and $650 per year on a third. The Lago Terra Homeowners Association, managed by Inframark, lists a $375 resale certificate and a $275 transfer fee in its state management certificate recorded May 30, 2023. The resale certificate is the document that settles current dues and assessments.
What is the property tax rate in Lago Terra?
On the Bell CAD 2025 rate chart, a Lago Terra parcel inside Temple city limits carries about 2.184 per $100 before any college, ESD or special-district line: Bell County 0.3128, road district 0.0199, Clearwater UWCD 0.00223, City of Temple 0.6999 and Belton ISD 1.1494. Temple offers a 20% homestead exemption. Whether Temple College applies was not confirmed, so read the parcel's taxing units at Bell CAD.
Which schools serve Lago Terra?
Lago Terra is in Belton ISD. Listings and the district boundary map point to Lakewood Elementary, Lake Belton Middle School and Lake Belton High School. TEA's 2026 A–F ratings, released August 14, 2026, gave Lakewood an A, Lake Belton Middle a B and Lake Belton High an A. Those are dated state measures; confirm the address in Belton ISD's Infofinder before you rely on it.
Is Lago Terra gated?
Phase III is. Listing copy reviewed September 30, 2026 describes it as double-gated, with 0.52-acre lots offered at $249,900, buyers bringing their own custom builder, and a resident-only walking trail to a natural rock cove. Phase III was platted in 2018 under its own declaration. Whether Phases I and II have gates was not confirmed in the source review, so see the entrances in person.
How far is Lago Terra from BSW Temple and Fort Hood?
OpenStreetMap routing estimates both trips from the middle of Lago Terra (October 5, 2026, no traffic). BSW Temple's main entrance at 2401 S 31st St is 9.4 mi and about 17 min. The Fort Hood main gate (Bernie Beck Gate) on T.J. Mills Blvd is 23.6 mi and about 31 min. Test both at your real report time.
Does Lago Terra have city sewer or septic?
City water and sewer, according to Lago Terra listing copy reviewed September 30, 2026, including a Phase III lot listing that says no septic is required. The provider is presumably the City of Temple but was not confirmed in the source review. Rancho Del Lago, 1.2 road miles away, lists public water with a septic tank, so check the utility setup house by house.
From a buyer with a game plan
He always made time for us and was quick to respond to any questions we had. Most importantly for us, he listened to what we wanted, stuck to our game plan and helped us find the right home for a great deal.
Nicholas BetancourtBuyerRead the review on Google →Excerpt · full review at the link
On the record
- 57Google reviews · 5.0 averageverified Read them →
- 4Zillow reviews · 5.0 averageverified Read them →
Public reviews, quoted exactly and linked to the source. Counts are per platform and never added together. Read the full ledger →
Ready to Run the Numbers on Lago Terra?
Send the address you are weighing. Taylor can pull the Bell CAD parcel, the HOA resale-certificate charges, the flowage-easement question and the Lago Terra and Rancho Del Lago sales, then walk you through the full monthly cost. For the wider view, start with the best neighborhoods in Belton.
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Sources and dates
- US Census Geocoder, geographies (Current vintage): Temple city limits, Belton ISD, ZIP 76513 — https://geocoding.geo.census.gov/geocoder/ (accessed 2026-09-30)
- Lago Terra Homeowners Association management certificate (Texas HOA database) — https://www.hoa.texas.gov/sites/default/files/certificates/125734/1089-15796/mc/Management%20Certificate%20Lago%20Terra.pdf (accessed 2026-09-30)
- Bell CAD 2025 Tax Rate Chart (dated 30-Sep-25) — https://bellcad.org/wp-content/uploads/2025/09/2025-Tax-Rate-Chart.pdf (accessed 2026-09-30)
- Phase III lot listing: double-gated, 0.52 acres, trail to a rock cove (LakeHomes) — https://www.lakehomes.com/texas/belton-lake/13-agua-canyon-belton-tx-76513-lhrmls-04417069 (accessed 2026-09-30)
- Phase III lot listing: city water and sewer, no septic (BuyOwner) — https://www.buyowner.com/land/13-agua-canyon-court-tx-76513-622018 (accessed 2026-09-30)
- Lago Viento Ln listing: HOA $650/yr, Lakewood ES (Neuhaus) — https://neuhausre.com/properties/belton/111-lago-viento-ln-0075453311/ (accessed 2026-09-30)
- Lago Viento Ln listing: HOA $53/mo (Neuhaus) — https://neuhausre.com/properties/belton/204-lago-viento-ln-0075453179/ (accessed 2026-09-30)
- Vista De Luna Ln listing: Phase II HOA $40/mo, city water and sewer (Keenan Group) — https://thekeenangroup.com/112-vista-de-luna-ln-belton-tx-76513 (accessed 2026-09-30)
- USACE Belton Lake real estate: fee lands and flowage easement to 642 ft — https://www.swf-wc.usace.army.mil/belton/Realestate/ (accessed 2026-09-30)
- USACE Belton Lake adjacent landowner rules — https://www.swf-wc.usace.army.mil/belton/Realestate/Adjland.shtml (accessed 2026-09-30)
- USACE ER 1130-2-406, shoreline management (private dock limits) — https://corpslakes.erdc.dren.mil/employees/policy/ER/ER-1130-2-406.pdf (accessed 2026-09-30)
- USACE Belton Lake boat ramps (Temple's Lake Park, fee) — https://www.swf-wc.usace.army.mil/belton/Recreation/Boating/Boatramps.shtml (accessed 2026-09-30)
- Morgan's Point Resort Marina: 148 slips, about two-year waiting list — http://www.mprtx.gov/860/Marina (accessed 2026-09-30)
- USACE Belton Lake history: conservation pool, flood pool, dam elevations — https://www.swf-wc.usace.army.mil/belton/Information/History.shtml (accessed 2026-09-30)
- TWDB Water Data for Texas, Belton Lake daily levels — https://www.waterdatafortexas.org/reservoirs/individual/belton (accessed 2026-09-30)
- KWTX, April 16, 2024: rising lake reopens Lake Belton facilities — https://www.kwtx.com/2024/04/16/rising-lake-belton-water-levels-reopen-facilities-expected-impact-summer-season/ (accessed 2026-09-30)
- Belton ISD attendance boundaries (2024-25 redraw; unchanged for 2026-27) — https://www.bisd.net/fs/pages/4801 (accessed 2026-09-30)
- Belton ISD elementary boundary map (PDF) — https://resources.finalsite.net/images/v1733396956/bisdnet/axte1kiseo2sksailo9a/beltonrecelemplanmarchx17.pdf (accessed 2026-09-30)
- KDH News: TEA 2026 A-F ratings for Belton ISD campuses (released August 14, 2026) — https://kdhnews.com/news/region/report-cards-temple-isd-belton-isd-both-designated-b-districts-with-release-of-a-f/article_1112a7f0-5eb7-5d25-88a3-7cfd98c6a2da.html (accessed 2026-09-30)
- FEMA National Flood Hazard Layer (Zone X at sampled points) — https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/28 (accessed 2026-09-30)
Not verified in this review
- Taxing units on a Bell CAD parcel record for a Lago Terra home, including any Temple College, ESD or special-district line (the portal rejected automated queries).
- Current HOA dues and any special assessment; portal figures conflict ($40/mo, $53/mo, $650/yr).
- Deed-restriction details: minimum home size, fences, rentals, boats and RVs, architectural review timelines.
- Water, sewer and trash provider (presumed City of Temple) and the electric provider.
- Internet providers serving Lago Terra addresses.
- The developer of Lago Terra.
- Whether Phases I and II are gated, and whether Phase III lots are still available.
- A reachable primary Corps page for the lake-wide dock prohibition (the Fort Worth District shoreline page returned HTTP 403 to an automated fetch; the prohibition was checked against Corps documents on July 30, 2026).
- A wildfire risk rating for the subdivision.
- Where each lot's boundary sits relative to the 642-ft flowage easement line (survey required).