1004 Clover St, Waco, TX 76705 Property Records

McLennan County property record for 1004 Clover St, Waco, TX 76705 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,005 sqft · built 1996
Lot Size	0.204 acres (8,880 sqft)
Owner	2 Individual Names on File
Last Sale	$133,133 (Dec 2021)
Tax Bill	$3,430 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-010500-005900-1`

Property Details

APN / Parcel Number

Primary APN	`28-010500-005900-1`
Alternative APNs	`2801050000590010111` `122449`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,005 sqft Living Area
Gross Area	1,329 sqft
1st Floor Area	1,005 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,880 sqft (0.204 acres)
Lot Dimensions	120 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	324 sqft
Driveway	Concrete Driveway
Driveway Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	42 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1004 CLOVER ST
City	WACO
State	TX
Zip	76705-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVER ADDN LOT 10 BLOCK 4 ACRES .2039
Legal Subdivision	CLOVER ADDN
Legal Block	4
Legal Lot Number	10
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2019
Census Tract	1700

Owner

Source: McLennan County records · APN 28-010500-005900-1

Assessment roll updated September 9, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1004 CLOVER ST, WACO, TX 76705-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 02, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST CENTRAL CU
Dec 02, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TEXELL CU
Jul 05, 2019	Vendor's Lien, Transfer · Conventional Mortgage EXTRACO BANKS NA
Feb 12, 2018	Deed of Trust, Mortgage TEXAS FIRST ST BK
Feb 11, 2017	Loan Modification, Mortgage · Line of Credit TEXAS FIRST ST BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 02, 2021 · Amount on Record
Deed Sale	Dec 02, 2021 · Amount on Record
Prior Sale	Jul 05, 2019 · Amount on Record
Deed Document Number	202148945
Prior Transfer Date	Jul 02, 2019
Prior Transfer Doc	0000022202
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1004 CLOVER ST, WACO, TX 76705-2205
Transaction Type	Mortgage
Record Updated	Oct 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030951
Date	Oct 02, 2023
Instrument	2023030951

Lender

Name	FIRST CENTRAL CU
Type	Credit Union
Address	WACO, TX 76710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 09, 2038

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Dec 02, 2021
Property Address	1004 CLOVER ST, WACO, TX 76705-2205
Document Number	0000048945
Map Reference	VOL 897 PG 294
Instrument Date	Nov 24, 2021
Instrument	2021048945
Transaction Type	Transfer
Record Updated	Sep 05, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 CLOVER ST, 1004, WACO, TX 76705-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 CLOVER ST, WACO, TX 76705-2205
Investor	Possibly a Property Investor

Mortgage

Document Number	0000048946
Date	Dec 02, 2021
Instrument	2021048946

Lender

Name	TEXELL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 05, 2019
Property Address	1004 CLOVER ST, WACO, TX 76705-2205
Document Number	0000022202
Map Reference	VOL 897 PG 294
Instrument Date	Jul 02, 2019
Instrument	2019022202
Transaction Type	Transfer
Record Updated	Sep 05, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	1004 CLOVER ST, WACO, TX 76705-2205
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022203
Date	Jul 05, 2019
Instrument	2019022203

Lender

Name	EXTRACO BANKS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1004 CLOVER ST, WACO, TX 76705-2205
Document Number	0000004484
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000004484
Date	Feb 13, 2018
Instrument	4484

Lender

Name	TEXAS FIRST ST BK
Type	Bank
Address	WACO, TX 76702-2524

Agreement

Amount	Amount Recorded

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1004 CLOVER ST, WACO, TX 76705-2205
Document Number	0000006549
Instrument Date	Feb 11, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	PO BOX 5512 WACO TX 767080512, WACO, TX 76708-0512

Mortgage

Document Number	0000006549
Date	Mar 02, 2017
Instrument	6549

Lender

Name	TEXAS FIRST ST BK
Type	Bank
Address	WACO, TX 76710

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bellmead City
County	McLennan County
Unified School District	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$171,440 (-14.88%) Land $30,460 Building $140,980	$171,440 (-14.88%) Land $30,460 Building $140,980
2024	$3,430.00 (+189.94%)
2023		$201,400 Land $30,460 Building $170,940	$201,400 Land $30,460 Building $170,940
2022	$1,183.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLennan County (48309C), updated June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 483090017002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1989–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2018, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 223 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Radiate Holdings	Cable	1,500 / 50
Spectrum	Cable	1,000 / 1,000
Helmsco	Fixed Wireless (unlicensed)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AMG Technology Investment Group, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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