1016 N 45th St, Waco, TX 76710 Property Records

McLennan County property record for 1016 N 45th St, Waco, TX 76710

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,512 sqft · built 1952
Lot Size	0.218 acres (9,495 sqft)
Owner	Individual Name on File
Last Sale	$119,300 (May 2019)
Tax Bill	$2,662 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48-010601-007600-4`

Property Details

APN / Parcel Number

Primary APN	`48-010601-007600-4`
Alternative APNs	`4801060100760040111` `169508`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,764 sqft
1st Floor Area	1,512 sqft
Flooring	Carpet

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	9,495 sqft (0.218 acres)
Lot Dimensions	130 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Patio Area	96 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1016 N 45TH ST
City	WACO
State	TX
Zip	76710-4948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CRESTVIEW LOT 15 BLOCK 5 ACRES .218
Legal Subdivision	CRESTVIEW
Legal Block	5
Legal Lot Number	15
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3015
Census Tract	2498

Owner

1016 N 45th St is owned and occupied by an individual who bought it in May 2019.

Source: McLennan County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	1016 N 45TH ST, WACO, TX 76710-4948
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Mar 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
Oct 23, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 13, 2019	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 13, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on File
Deed Sale	May 13, 2019 · Amount on File
Deed Document Number	201915448
Prior Transfer Date	May 10, 2019
Prior Transfer Doc	0000015448
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	May 20, 2026
Property Address	1016 N 45TH ST, WACO, TX 76710-4948
Document Number	0000015935
Instrument Date	Mar 31, 2026
Instrument	202615935
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 N 45TH ST, WACO, TX 76710-4948

Mortgage

Document Number	0000015935,
Date	May 20, 2026
Instrument	202615935

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	277 Months
Due	Jun 1, 2049

Interest

Rate	6%
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1016 N 45TH ST, WACO, TX 76710-4948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008252
Date	Mar 12, 2019
Instrument	2019008252

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	WACO, TX 76710

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1016 N 45TH ST, WACO, TX 76710-4948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038048
Date	Oct 23, 2020
Instrument	2020038048

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jun 1, 2049

May 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	May 13, 2019
Property Address	1016 N 45TH ST, WACO, TX 76710-4948
Document Number	0000015448
Map Reference	VOL 686 PG 520
Instrument Date	May 10, 2019
Instrument	2019015448
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 N 45TH ST, WACO, TX 76710-4948

Mortgage

Document Number	0000015449
Date	May 13, 2019
Instrument	2019015449

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1016 N 45TH ST, WACO, TX 76710-4948
Document Number	0000021410
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 N 45TH ST WACO TX 767104948, WACO, TX 76710-4948

Mortgage

Document Number	0000021410
Date	Jun 27, 2018
Instrument	21410

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jun 26, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1016 N 45th St was $2,662 with a homeowner's exemption, up 0.9% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$216,377 (+6.38%) Land $26,396 Building $189,981	$216,377 (-5.49%) Land $26,396 Building $189,981
2025	$2,662.00 (+0.91%) Homeowner's exemption	$203,391	$228,940 Land $24,020 Building $204,920
2024	$2,638.00
2023		$220,320 Land $24,020 Building $196,300	$220,320 Land $24,020 Building $196,300
2022	$2,288.00

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

Flood

FEMA maps place 1016 N 45th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1990 · river or lake flooding

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.

Wildfire

Wildfire risk around 1016 N 45th St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WACO serves 146,241 people · EPA ID TX1550008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband.

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