1020 Rose St, Waco, TX 76704 Property Records

McLennan County property record for 1020 Rose St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,152 sqft · built 2003
Lot Size	0.351 acres (15,290 sqft)
Owner	Individual Name on Record
Last Sale	$135,400 (May 2021)
Tax Bill	$1,833 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`48-011800-022615-0`

Property Details

APN / Parcel Number

Primary APN	`48-011800-022615-0`
Alternative APN	`319470`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,290 sqft (0.351 acres)
Lot Dimensions	160 ft deep x 99 ft wide
Garage Type	Carport
Garage Area	100 sqft
Carport	Carport
Carport Area	100 sqft
Driveway	Concrete Driveway
Driveway Area	200 sqft
Porch	Open Porch
Porch Area	32 sqft
Storage Building	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1020 ROSE ST
City	WACO
State	TX
Zip	76704-2268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	DAVIS J F TR LOT 15 (REPLAT OF 10 11 & 12) BLOCK 17 ACRES .351
Legal Subdivision	DAVIS J F TR
Legal Tract	BLOCK
Legal Block	17
Legal Lot Number	15
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1035
Census Tract	1401

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1020 ROSE ST, WACO, TX 76704-2268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Vendor's Lien, Transfer · Conventional Mortgage EUSTIS MORTGAGE CORP
Jan 28, 2021	Warranty Deed, Transfer SHANE TURNER
Dec 22, 2017	Grant Deed, Transfer DITECH FIN'L
Oct 23, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	May 6, 2021 · Amount on Record
Deed Document Number	202117625
Prior Transfer Date	Sep 9, 2015
Prior Transfer Doc	0000028170
Record Updated	Oct 29, 2026

May 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	May 6, 2021
Property Address	1020 ROSE ST, WACO, TX 76704-2268
Document Number	0000017625
Map Reference	FILE 20024140
Instrument Date	Apr 30, 2021
Instrument	2021017625
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 ROSE ST, WACO, TX 76704-2268

Mortgage

Document Number	0000017626
Date	May 6, 2021
Instrument	2021017626

Lender

Name	EUSTIS MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Mortgage

Document Number	0000017627
Date	May 6, 2021
Instrument	2021017627

Lender

Name	THE BANK OF NEW YORK MELLON TRUST CO NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jan 28, 2021
Property Address	1020 ROSE ST, WACO, TX 76704-2268
Document Number	0000003554
Instrument Date	Jan 26, 2021
Instrument	3554
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1224 AUSTIN AVE #230 WACO TX 767011808, 230, WACO, TX 76701-1808

Mortgage

Document Number	3555
Date	Jan 28, 2021
Instrument	3555

Lender

Name	SHANE TURNER
Address	3 HILLANDALE RD, WACO, TX 76710-1024

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 27, 2026

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 22, 2017
Property Address	1020 ROSE ST, WACO, TX 76704-2268
Document Number	0000041841
Instrument Date	Nov 6, 2017
Instrument	41841
Transaction Type	Transfer
Record Updated	Jan 10, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 FREDERICK AVE WACO TX 767071740, WACO, TX 76707-1740

Mortgage

Document Number	41842
Date	Dec 22, 2017
Instrument	41842

Lender

Name	DITECH FIN'L
Address	TAMPA, FL 33631-3601

Agreement

Term	240 Months
Due	Dec 21, 2037

October 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 23, 2017
Property Address	1020 ROSE ST, WACO, TX 76704-2268
Document Number	0000035136
Instrument Date	Sep 5, 2017
Instrument	35136
Transaction Type	Foreclosure
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2100 E ELLIOT RD #94 TEMPE AZ 852841806, 94, TEMPE, AZ 85284-1806
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$160,683 (+0.18%) Land $19,571 Building $141,112	$160,683 (-1.13%) Land $19,571 Building $141,112
2025	$1,833.00 (-3.83%) Homeowner's exemption	$160,398 (+21%)	$162,520 (+22.6%) Land $17,740 Building $144,780
2024	$1,906.00 (+14.06%)
2023		$132,560 Land $17,740 Building $114,820	$132,560 Land $17,740 Building $114,820
2022	$1,671.00

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% 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 448 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 · Fiber in parts of the area	1,000 / 1,000
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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