Lake Pointe Temple TX: Prices, Taxes, HOA and School Checks.
Homes built 2013–2025 closed at a $266,000 median in the year to September 1, 2026. Taxes, HOA, school campus and flood status vary by address.
Is Lake Pointe in Temple, TX worth shortlisting, and what does a home there cost?
Shortlist Lake Pointe if you want a 2013-or-newer house at a Belton ISD address inside Temple for roughly $240,000 to $310,000. In the year to September 1, 2026, 66 Lake Pointe and Lake Pointe Terrace homes closed at a $266,000 median (CTXMLS). Bell CAD maps every parcel inside Temple city limits and Belton ISD, and 2025 records show seven taxing units totaling 2.399877% with no MUD or PID: about $532 a month in tax on a $266,000 value before a homestead exemption. Check each address for its elementary campus, HOA and flood-map status.
Key facts, dated
- Middle 60% of those 66 sales: $241,664 to $310,000; median $144 per sq ft
- Belton ISD lookup, Sep 25, 2026: North Belton Middle and Lake Belton High; Burrell or Tarver Elementary by street
- Four Lake Pointe HOAs file certificates with the state; dues come from each home’s resale certificate
- Road miles, measured Sep 25, 2026: BSW Temple 6.9–7.1; Fort Hood main gate area 26.3–26.8
Taylor’s March 2026 video tour of Lake Pointe
A 9-minute, 23-second walk-through of Lake Pointe and The Terrace at Lake Pointe by Taylor Dasch, EG Realty, published on the Living in Temple YouTube channel on March 6, 2026.
Read with the March 2026 video: its prices, example listing, monthly-payment estimate and $30-a-month HOA figure are historical examples; use current property documents for your purchase and the dated figures on this page for their stated periods. Its “one of the best” and top-agent remarks are the video’s own opinions, not rankings. Its passing remark about the area’s income level is not supported by comparative evidence; this page does not characterize neighborhoods by residents’ income.
What did Lake Pointe homes sell for in the year to September 1, 2026?
66 Lake Pointe and Lake Pointe Terrace homes closed from September 2, 2025 through September 1, 2026, at a $266,000 median. Most sold for $241,664 to $310,000. Larger homes cost more in total but less per square foot.
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| Closing price | Sales | Median size | Bedrooms (most common) | Years built | Median $/sq ft |
|---|---|---|---|---|---|
| Under $250,000 | 18 | 1,626 sq ft | 3 (16 of 18) | 2014–2024 | $149 |
| $250,000–$299,999 | 30 | 1,810 sq ft | 4 (19 of 30) | 2013–2025 | $145 |
| $300,000–$349,999 | 11 | 2,308 sq ft | 4 (10 of 11) | 2017–2025 | $133 |
| $350,000 and up | 7 | 3,130 sq ft | 4 or more | 2013–2021 | $122 |
How close to list price did Lake Pointe homes sell?
Across the same 66 sales, the median ratio of sale price to final list price was 98.6%, and to original list price 95.3%. 33 of 66 had lowered their list price before selling, and 25 of 66 closed at or above the final list price.
How many Lake Pointe homes were for sale on September 24, 2026?
The CTXMLS status snapshot for September 24, 2026 showed 20 active Lake Pointe and Lake Pointe Terrace listings with a $285,000 median asking price, plus 6 under contract or pending. Asking prices are not sale prices, and listings change daily.
Method: CTXMLS closed Residential sales with City = Temple, closing September 2, 2025 through September 1, 2026, price $25,000 or more, export observed September 2, 2026. Included: subdivision labels matching “Lake Pointe” in any spelling (Lake Pointe Ph I, II-A1, II-A2, II-A3 and III; Lake Pointe Terrace Ph I–IV), plus 11 sales labeled “The Terrace” or left blank whose street addresses match Bell CAD Lake Pointe or Lake Pointe Terrace parcels. Duplicate records are counted once. Percentiles use linear interpolation. Days on market is the MLS DOM field (listing to contract). The September 24 snapshot uses the same name and address rules.
What would a Lake Pointe home cost each month at September 2026 rates?
Start from the home’s price and your own loan terms. This example uses three prices from the 66 sales, the 2025 Lake Pointe tax rate and Freddie Mac’s average 30-year fixed rate for the week of September 24, 2026 (7.03%). Replace each line with your own quotes.
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| Example price | 5% down | Principal + interest | Tax, homestead | Tax, no homestead | P&I + tax, homestead | P&I + tax, no homestead |
|---|---|---|---|---|---|---|
| $242,000 (about the 20th percentile) | $12,100 | $1,534 | $314 | $484 | $1,848 | $2,018 |
| $266,000 (median) | $13,300 | $1,686 | $358 | $532 | $2,044 | $2,218 |
| $310,000 (80th percentile) | $15,500 | $1,965 | $439 | $620 | $2,404 | $2,585 |
Monthly amounts. Not included, so get quotes for the specific home: homeowners insurance, any mortgage insurance or loan-program fees, HOA dues and one-time transfer charges, utilities and upkeep. Principal and interest cost about $667 a month per $100,000 borrowed at 7.03% over 30 years.
Assumptions: the price is used as the taxable value (Bell CAD sets the appraisal, and a sale price does not automatically become it); a 30-year fixed loan for 95% of the price at 7.03%, Freddie Mac’s U.S. weekly average as of September 24, 2026 (your rate and fees will differ); the homestead columns assume only the general residence homestead exemption. Each component is rounded to the dollar and the totals add the rounded components.
- Ask a lender for a written Loan Estimate at your price, down payment and loan type.
- Get an insurance quote for the exact address before you settle on a price ceiling.
- Request the association’s resale certificate for current dues and any special assessments.
- Apply to Bell CAD for the homestead exemption once you qualify. The Texas Comptroller says a buyer who acquires the home after January 1 may receive it for the rest of that tax year if the prior owner did not have it; the general filing deadline is before May 1.
What is the 2025 property tax rate for a Lake Pointe home in Temple?
Bell CAD’s 2025 records for one parcel in each recorded phase of Lake Pointe and Lake Pointe Terrace list the same seven taxing units, totaling $2.399877 per $100 of taxable value (2.399877%). None is a MUD or PID. The same parcels’ 2024 total was 2.338853%, mainly because the City of Temple’s rate rose from 0.6265 to 0.6999.
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| Taxing unit, 2025 | Rate per $100 | General homestead exemption | Tax on $266,000, no exemption | With general homestead |
|---|---|---|---|---|
| Belton ISD | 1.149400 | $140,000 | $3,057 | $1,448 |
| City of Temple | 0.699900 | 20% of value (at least $5,000) | $1,862 | $1,489 |
| Bell County | 0.312800 | None | $832 | $832 |
| Temple College | 0.201700 | 20% of value (at least $5,000) | $537 | $429 |
| Bell County Road | 0.019900 | None | $53 | $53 |
| Temple Health and Bioscience | 0.013947 | None | $37 | $37 |
| Clearwater UWCD | 0.002230 | None | $6 | $6 |
| Total | 2.399877 | $6,384 a year | $4,295 a year |
Worked example: a Lake Pointe home taxed at $266,000 owes about $6,384 a year ($532 a month) with no exemptions, or about $4,295 a year ($358 a month) with only the general residence homestead exemption. Over-65, disability and veteran exemptions change these numbers.
Use your own figures, not the seller’s bill: a homestead’s county record can show exemptions and an “HS Cap Loss” (homestead cap) that belong to the current owner. Earlier versions of this guide quoted a 2.12% combined rate; the 2025 records show 2.399877%, including the Temple College tax.
Sources: Bell CAD 2025 tax rate table (dated September 30, 2025) and 2025 Bell CAD property records for ten parcels, one per recorded phase, checked September 25, 2026; Texas Comptroller exemption guidance. Dollar amounts are rounded; totals use unrounded values. See the Temple property-tax guide for how each unit sets its rate.
Which Belton ISD schools serve Lake Pointe addresses?
Bell CAD’s school-district map places all 1,403 Lake Pointe and Lake Pointe Terrace parcels in Belton ISD. The campus depends on the street: on September 25, 2026, Belton ISD’s 2026-27 attendance lookup returned these campuses for 42 sample addresses, one per street in each recorded phase.
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| Section sampled | Elementary | Middle | High | Sample addresses |
|---|---|---|---|---|
| Lake Pointe Phases I–III | Burrell Elementary | North Belton Middle | Lake Belton High | 21 of 21 |
| Lake Pointe Terrace, most streets sampled | Tarver Elementary | North Belton Middle | Lake Belton High | 19 of 21 |
| Lake Pointe Terrace Phase I: Garden Green Dr and Foggy Draw Ct | Burrell Elementary | North Belton Middle | Lake Belton High | 2 of 21 |
Six more Terrace sample queries did not return a clean address match and are left out. Belton ISD adopted new elementary boundaries in March 2023 that took effect in 2024-25 and says they are unchanged for 2026-27. Before you rely on a campus, enter the exact address in the district’s attendance lookup for your enrollment year; see Belton ISD attendance boundaries.
Listing fields are not proof: 3 of the 66 sold listings named Temple ISD, while the county map puts every Lake Pointe parcel in Belton ISD.
Which HOA covers a Lake Pointe home, and what does it charge?
The Texas HOA management-certificate registry, searched September 25, 2026, lists four associations with Lake Pointe in the name, all in Temple. Their recorded certificates name a manager and list one-time charges at a sale. None states annual dues.
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| Association and filing | Manager named | Recorded documents cited | Charges listed at a property transfer |
|---|---|---|---|
| Lake Pointe Residential Community, Inc. (amended certificate, Bell County doc. 2024054942, acknowledged June 11, 2024) | CSA Management | Lake Pointe declaration, doc. 2013-00038015, with amendments and community manual | Transfer fee $250; resale certificate $375; rush fee $275 |
| Lake Pointe Homeowners Association, Inc. (doc. 2024003574, recorded January 29, 2024) | Goodwin & Company | Lake Pointe plat, Cabinet D, Slides 400B–400D; declaration 00038015 | Working capital $350; resale certificate $375 (update $75); transfer $275; optional compliance inspection $150 |
| The Terrace at Lake Pointe Residential Community, Inc. (doc. 2026045708, recorded September 10, 2026) | The Management Trust | Declaration, doc. 2020004792; Lake Pointe Terrace Phase I plat, Cabinet 2019, Slide 177 A&B | Resale certificate $360; working capital assessment $370 |
| Lake Pointe Crossing HOA, Inc. (doc. 2024001111, recorded January 9, 2024) | Accent Real Estate Services | Declaration, doc. 2021-058524; plat, doc. 2010-26735A | None listed |
The first two filings cite the same 2013 Lake Pointe declaration but name different managers; the June 2024 filing is the later one. Ask the title company which association and manager apply to the lot. Bell CAD’s legal descriptions do not use the name Lake Pointe Crossing, so match any listing that uses it to its recorded plat.
For the actual home, request the association’s resale certificate for current dues and any special assessments, and read the declaration’s leasing and use rules if you might rent the home later; this guide did not review those clauses. In the March 2026 video, Taylor points out a neighborhood park, pool, trails and playground; confirm which amenities the lot’s association provides.
Sources: Texas HOA management-certificate registry search and the four certificates filed there, checked September 25, 2026.
What homes and builders are in Lake Pointe?
The 66 homes sold in the year to September 1, 2026 were built from 2013 to 2025 (median 2019), with a median 1,817 square feet and three or four bedrooms in 62 of 66 sales. Bell CAD lists 1,403 parcels in Lake Pointe Phases I, II-A1, II-A2, II-A3 and III and Lake Pointe Terrace Phases I, II A-1, III and IV; the median improved lot with a recorded acreage is 0.15 acre.
Who built them, by the deed records
County deed histories name builders by legal company. Across 44 improved parcels sampled in every recorded phase, the builder’s sale of the finished home came from Continental Homes of Texas, L.P. on 31, Pulte Homes of Texas, L.P. on 4 (all in Phase I) and Stylecraft Central Texas, L.P. on 4; 5 showed no clear builder sale.
Bell CAD deed histories · checked Sep 25, 2026
The brands behind those companies
D.R. Horton, Inc.’s SEC subsidiary list (as of September 30, 2025) shows Continental Homes of Texas, L.P. doing business as D.R. Horton America’s Builder, Emerald Homes and Freedom Homes; PulteGroup’s list includes Pulte Homes of Texas, L.P. In the 66 recent sales, 10 were builder sales, and the MLS builder field named D.R. Horton on 14 and Stylecraft on 2.
SEC Exhibit 21 filings · CTXMLS builder field
What Taylor pointed out on tour
In the March 2026 video, Taylor shows Stylecraft plans, including one with an office, and D.R. Horton homes in The Terrace at Lake Pointe, which he calls the newest section. Compare the specific house, not the brand: its age, condition, repairs and any warranty that remains.
Video published March 6, 2026
Primary bedroom with doors to the backyard
Living room open to the kitchen
Private backyard pool and spa
About these photos
Listing photos of individual Lake Pointe homes. They are not current listings, and the finishes shown are not standard in every home.
What should you check on a specific Lake Pointe property?
These findings come from public maps and records for the whole neighborhood. Each still needs the actual address.
⚠ Flood map
FEMA’s National Flood Hazard Layer, checked September 25, 2026, shows most Lake Pointe parcels in Zone X (minimal flood hazard). 19 of the 1,403 parcels, mostly in Lake Pointe Phase II-A1, touch a mapped Zone A area, and 12 of those 19 have a house.
Look up the address on the FEMA Flood Map Service Center and get an insurance quote.⚠ Soil under the house
USDA’s soil survey maps Lake Pointe about evenly between two soils: Purves silty clay, 1 to 4 percent slopes (under 728 of the 1,403 parcels), which USDA describes as shallow clay over limestone with typically 8 to 20 inches of soil above bedrock, and Denton silty clay, 1 to 3 percent slopes (under 675). It does not map Houston Black clay here.
Look up the address in USDA’s Web Soil Survey, read the inspection report and ask for any foundation or drainage repair records. See the USDA Purves series description.⚠ Nearby construction
In March 2026, Taylor called out construction traffic and noise while newer phases were being built. Deed records show builder sales in Lake Pointe Terrace Phase IV as recently as 2025.
Drive the streets around the lot and ask what is planned on nearby vacant land.⚠ Rail and road noise
The nearest open rail crossing in the Federal Railroad Administration’s inventory is about 3 miles in a straight line from the closest Lake Pointe parcel, on BNSF’s line in south Temple.
Visit at the hours you will be home and listen from the yard. Source: FRA crossing inventory.⚠ Lake access
Lake Pointe is not on the water. Temple’s Lake Park, a U.S. Army Corps of Engineers park with two boat ramps on Belton Lake, is 4.4 to 4.9 road miles away. Belton Lake has no private docks: the Corps bars private facilities on the public land around the lake.
See the Corps’ Belton Lake boat ramps and adjacent-landowner rules.⚠ City services and utilities
Bell CAD’s map places every Lake Pointe parcel inside Temple city limits, and each sampled parcel pays City of Temple taxes.
Confirm water, wastewater, trash and internet providers and deposits for the address with the City of Temple utility office.
How far is Lake Pointe from BSW, the VA, Fort Hood and Belton Lake?
Road miles measured September 25, 2026 from the center of the Lake Pointe Phase I–III lots and from the center of the Lake Pointe Terrace lots, using OpenStreetMap routing (OSRM). Drive times depend on traffic, school zones and gate lines, so test the trip at your usual hour.
Baylor Scott & White Medical Center – Temple
2401 S 31st St, Temple
Olin E. Teague VA Medical Center
1901 Veterans Memorial Dr, Temple
Downtown Temple
City Hall, 2 N Main St
Fort Hood main gate area
Marvin Leath Visitor Center, T.J. Mills Blvd
Temple’s Lake Park, Belton Lake
Corps of Engineers park, 14190 FM 2305
Tarver Elementary
7949 Stonehollow Dr
Burrell Elementary
8104 Glade Dr
North Belton Middle School
7907 Prairie View Rd
Lake Belton High School
9809 FM 2483
Taylor Dasch, real estate agent, EG Realty · in his own words from the March 6, 2026 video tour
“This section is gonna be slightly more expensive, but you’re gonna have nicer, newer homes… personally, I like this section better.”On The Terrace at Lake Pointe, the D.R. Horton section
“This neighborhood has a lot of inventory as well, so higher days on the market, which means you can negotiate a bit, get some closing cost paid for.”
The sales data for the year to September 1, 2026 shows the opposite on market time: a median 47.5 days on the MLS in Lake Pointe versus 69 for all Temple sales, 50% of sold listings with a price cut versus 55% citywide, and about 3.6 months of supply on September 24 versus 5.2 citywide. The median Lake Pointe sale still closed at 95.3% of its original list price.“You can get the same exact build, this D.R. Horton home right here, if you look in south Temple for slightly cheaper.”
His trade-off: similar houses elsewhere in Temple can cost less, so compare the address, schools and total monthly cost side by side.“There’s a lot of new construction around here… some extra noise, but that’s only for the time that they’re building the new construction.”
Check what is still being built near the lot you are considering.Quotes are transcribed from the video and lightly trimmed. The video’s prices, payment estimate and HOA figure are from March 2026; the dated figures on this page replace them.
Lake Pointe FAQ: taxes, HOA, schools and prices
Lake Pointe and Lake Pointe Terrace are inside Temple city limits and in Belton ISD. Bell CAD’s city-limit and school-district maps place all 1,403 parcels in both, and the 2025 tax record of each sampled parcel lists the City of Temple and Belton ISD. The assigned campus still depends on the exact address.
On September 25, 2026, Belton ISD’s 2026-27 attendance lookup returned North Belton Middle School and Lake Belton High School for all 42 sampled Lake Pointe addresses. The elementary campus varied: Burrell Elementary for every sampled Lake Pointe Phase I-III street and two Lake Pointe Terrace streets, and Tarver Elementary for the other sampled Terrace streets. Check the exact address in the district’s lookup.
For 2025, Bell CAD lists seven taxing units on Lake Pointe parcels, totaling 2.399877% of taxable value: Belton ISD 1.1494, City of Temple 0.6999, Bell County 0.3128, Temple College 0.2017, Bell County Road 0.0199, Temple Health and Bioscience 0.013947 and Clearwater UWCD 0.00223 per $100. On a $266,000 taxable value that is about $6,384 a year, or about $4,295 with only the general homestead exemption.
No MUD or PID appears on the 2025 Bell CAD tax records for the ten parcels checked, one in each recorded phase of Lake Pointe and Lake Pointe Terrace. The combined rate is still 2.399877%, so budget with the full rate.
Annual dues are not stated in the associations’ state filings. The filings list one-time charges at a sale: The Terrace at Lake Pointe lists a $360 resale certificate and a $370 working capital assessment (September 2026 filing), and Lake Pointe Residential Community lists a $250 transfer fee and a $375 resale certificate (June 2024 filing). Get current dues from the resale certificate for the specific home.
Lake Pointe Crossing HOA, Inc. files its own management certificate, recorded January 9, 2024 and managed by Accent Real Estate Services. Bell CAD’s legal descriptions do not use the Lake Pointe Crossing name, so match any lot to its recorded plat and ask the title company which association governs it.
66 Lake Pointe and Lake Pointe Terrace homes closed from September 2, 2025 through September 1, 2026 (CTXMLS), at a $266,000 median. The middle 60% sold for $241,664 to $310,000, and the median price per square foot was $144. Half of those sold listings had lowered their list price before selling.
No. Lake Pointe is a West Temple subdivision. Temple’s Lake Park, a U.S. Army Corps of Engineers park with two boat ramps on Belton Lake, is 4.4 to 4.9 road miles away. Belton Lake has no private docks; the Corps bars private facilities on the public land around the lake.
Most parcels are in FEMA Zone X, minimal flood hazard. On FEMA’s flood map checked September 25, 2026, 19 of the 1,403 Lake Pointe parcels touch a mapped Zone A area, mostly in Lake Pointe Phase II-A1. Look up the exact address and get an insurance quote before you commit.
About 6.9 to 7.1 road miles to Baylor Scott & White Medical Center – Temple and 26.3 to 26.8 road miles to the Marvin Leath Visitor Center by Fort Hood’s main gate, measured September 25, 2026 with OpenStreetMap routing. Drive times vary with traffic and gate lines, so test the trip at your usual hour.
Are there Lake Pointe homes for sale now?
This page has no live listing feed. On the September 24, 2026 CTXMLS snapshot, 20 Lake Pointe and Lake Pointe Terrace homes were active at a $285,000 median asking price. Call or text Taylor with your price range and move date, and he will go through the current listings and the documents to request with you.
Compare Lake Pointe with other Temple-area neighborhoods: Hills of Westwood, The Groves at Lakewood Ranch, Bella Terra and Morgan’s Point Resort. For the wider view, see the Temple neighborhood comparison, the Belton ISD neighborhoods guide and the Temple property-tax guide.
Talk through a Lake Pointe home with Taylor
Send your name and email and pick what best describes you. Taylor follows up personally by email to ask about your price range, move date and any addresses you are weighing, then goes over homes, costs and documents with you. No automatic report or listing feed is sent; confirm school assignment with Belton ISD for the exact address.