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Local Info: Belton, Temple and Salado Texas home buying, real estate listings, and homes for sale in Bell County, TX
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Belton Lake

 

New Visitors Center in Temple

Welcome to Bell County! With Ft. Hood to our west, best of the best hospitals and cancer research center in Temple, quaint Salado to the south, and the premier Belton Independent School District and ever growing Belton located in the middle, we have a lot to brag about! New subdivisions are being developed throughout the area. Old homes are being renovated. Downtowns are being revitalized. We hope you will want to get in on our exciting opportunities! 


Salado, Belton and Temple - In the beginning. . .

Newest Events Center at UMHB Campus

Salado is the oldest of these three Central Texas towns. It was the stopping place chosen by pioneer families who came to the newest state in the mid 1840s from more refined areas of the United States. Salado was chosen because of its fresh water supply on the banks of Salado Creek, as well as the numerous springs in the area. Early on, the residents determined a need for advanced education for their children, and Salado College was established and it became a major draw to attract new families to the small town. Salado continued to grow until the 1880s when the Gulf, Colorado and Santa Fe Railway Company began its rail line to connect Texas with the rest of the states. The railroad became the main artery for commercial and economic development, and when Salado found itself “off the beaten track,” with no rail line or depot, its population rapidly declined. Today, Salado is enjoying new growth as folks discover its small-town atmosphere, and country amenities now so close to major population centers, thanks to the more recent line of commercial and economic development, Interstate-35. 


Railroad & Heritage Museum

In 1850, Bell County was formed, and with it the town of Belton, the County Seat. In 1882 after a controversial and some still say shady transaction, a railway spur and depot was built in Belton, the small town soon outranked its older and larger parent town of Salado in population and commerce. After buying the right-of-way from Belton citizens, the railroad officials decided to resurvey the tracks away from Belton, build a brand-new company town and name it after one of their engineers - Bernard M. Temple. A few years later, in 1886, however, Belton beat out Temple in persuading Baylor Female College to relocate there from its original campus in Independence, Texas. Now the University of Mary Hardin - Baylor, the school ranks among the best small private universities in the country. It went co-educational in the 1970s and added a Division 3, non-scholarship football team twenty years later. 


Cochran, Blair & Potts

The early days of Temple were defined by the railway that made its way to Central Texas by December of 1881. The Gulf, Colorado and Santa Fe Railway Company was the major employer, offering jobs on the trains, company machine shops and business offices. In 1892, Dr. A.C. Scott and Raleigh R. White, Jr. arrived in Temple to work at the railroad’s own Gulf, Colorado and Santa Fe Hospital to treat company employees. In order to offer services to the rest of the city, the doctors opened the Temple Sanitarium in 1904, which has grown into one of the fastest-growing hospitals in the 20th century, the Scott & White Memorial Hospital. Temple has now grown to a population of almost 50,000 people who enjoy the small-town community with big-city amenities such as the Temple Symphony Orchestra and Temple College.  


For more information on the history of the area, visit the Bell County Museum in Belton and the Railroad and Heritage Museum in Temple. (links?) 

For more information on these towns today, visit the Belton Area chamber of Commerce and the Temple Chamber of Commerce as well as the city. 



University of Mary Hardin-Baylor

Nolan Creek

Whistlestop Playground

Temple College


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Real Estate Tips
Financing Your Home >Credit Card Mania

Most people know that a checkered credit history can disqualify you for a home loan, and maxed-out credit cards can do the same thing. But what most people don't know is that merely having a large number of credit cards, even with low balances and a history of timely payments, can disqualify you for a home mortgage loan just as quickly.

According to credit experts, having a number of credit cards can be just as detrimental to the granting of further credit as a history of late payments. Lenders look at it this way: If you have ten credit cards, each with a limit of $5,000, that means you have the potential to run up $50,000 in debt virtually any time you choose. That mere possibility makes you a greater risk, from their point of view.

The moral of the story? If you are planning to apply for a home loan in the future, keep only those credit cards you actually need to use and cancel the others.

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Real Estate Trivia
Q 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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School Reports
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Covington Real Estate Team, REALTOR®, real estate agents and broker for Belton, Temple and Salado Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Covington Real Estate Team
Covington Real Estate

2324 N. Main St.
Belton, TX. 76513
254 939-3800
877 711-3800
Fax: 254 939-3232
Email: covington@number1expert.com

Terri Covington, owner, established Covington Real Estate in 2003 after being a top producer for a franchise office for several years. Realtors affiliated with Covington are involved in the local community, including chambers of commerce, school district committees, local government, churches, and universities. Being an independent office has afforded Covington clients flexibility in marketing and buying strategies.

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