103 Spring Lake Dr, Waco, TX 76705 Property Records

McLennan County property record for 103 Spring Lake Dr, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,605 sqft · built 1979
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$308,400 (Feb 2026)
Tax Bill	$4,922 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-032400-003900-0`

Property Details

APN / Parcel Number

Primary APN	`20-032400-003900-0`
Alternative APNs	`2003240000390000111` `114440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,605 sqft Living Area
Gross Area	2,042 sqft
1st Floor Area	1,605 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1991
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	87,120 sqft
Garage Type	Attached
Garage Area	437 sqft
Driveway	Concrete Driveway
Driveway Area	1,400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	255 sqft
Patio Area	400 sqft
Canopy	300 sqft
Gazebo	120 sqft
Utility Building	1,080 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 SPRING LAKE DR
City	WACO
State	TX
Zip	76705-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	EATON A P ACRES 2.0
Legal Subdivision	EATON A P
Legal Tract	1-5E
Legal Lot Number	1-5E
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3005
Census Tract	3200

Owner

Source: McLennan County records, as of September 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	103 SPRING LAKE DR, WACO, TX 76705-1025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Vendor's Lien, Transfer · VA Mortgage USAA FSB
May 2, 2023	Affidavit of Death of Joint Tenant, Transfer INDEPENDENCE TITLE
Sep 25, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Prior Sale	May 2, 2023
Deed Document Number	20264653
Record Updated	Oct 29, 2026

February 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 13, 2026
Property Address	103 SPRING LAKE DR, WACO, TX 76705-1025
Document Number	0000004653
Instrument Date	Feb 12, 2026
Instrument	2026004653
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	DESIGNATED TITLE, DESIGNATED TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SPRING LAKE DR, WACO, TX 76705-1025

Mortgage

Document Number	0000004654
Date	Feb 13, 2026
Instrument	2026004654

Lender

Name	USAA FSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

May 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MCLENNAN TX
Recording Date	May 2, 2023
Property Address	103 SPRING LAKE DR, WACO, TX 76705-1025
Document Number	0000012713
Map Reference	VOL 1315 PG 471
Instrument Date	Apr 27, 2023
Instrument	2023012713
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 25, 2020
Property Address	103 SPRING LAKE DR, WACO, TX 76705-1025
Document Number	0000033944
Instrument Date	Jul 21, 2020
Instrument	33944
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 SPRING LAKE DR WACO TX 767051025, WACO, TX 76705-1025

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$282,073 (+1%)	$290,301 (+13.21%) Land $75,794 Building $214,507
2025	$4,922.00 (-14.15%)	$256,430 (-20.9%) Land $69,700 Building $186,730	$256,430 (-20.9%) Land $69,700 Building $186,730
2024	$5,733.00 (-0.07%)
2023		$324,170 Land $69,700 Building $254,470	$324,170 Land $69,700 Building $254,470
2022	$5,737.00

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1995–2004)
Most Recent Claim	May 2004 · rainfall accumulation

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	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.05% 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 LACY LAKEVIEW serves 7,275 people · EPA ID TX1550033
Water Source	Purchased surface water from CITY OF WACO
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband, T-Mobile.

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