10304 Whitney Trce, Waco, TX 76708 Property Records

McLennan County property record for 10304 Whitney Trce, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,010 sqft · built 2010
Lot Size	0.273 acres (11,880 sqft)
Owner	Individual Name on File
Tax Bill	$4,568 (2025)
Deeds & Mortgages	Jan 2024 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-003401-000715-0`

Property Details

APN / Parcel Number

Primary APN	`18-003401-000715-0`
Alternative APN	`349533`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,010 sqft Living Area
Gross Area	2,551 sqft
1st Floor Area	2,010 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	11,880 sqft (0.273 acres)
Lot Dimensions	144 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	541 sqft
Driveway	Concrete Driveway
Driveway Area	1,270 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10304 WHITNEY TRCE
City	WACO
State	TX
Zip	76708-6161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RESERVE @ LAKELAND MEADOWS ADDITION PHASE FIVE LOT 15 BLOCK 7 ACRES .2727
Legal Subdivision	RESERVE @ LAKELAND MEADOWS ADDITION PHAS
Legal Block	7
Legal Lot Number	15
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2001
Census Tract	4105

Owner

10304 Whitney Trce is owned and occupied by an individual who acquired it in September 2011.

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

Owner of Record	Individual Name on File
Mailing Address	10304 WHITNEY TRCE, WACO, TX 76708-6161
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2011
Deed Sale	Sep 7, 2011
Deed Document Number	201128166
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	10304 WHITNEY TRCE, WACO, TX 76708-6161
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10304 WHITNEY TRCE, WACO, TX 76708-6161

Mortgage

Document Number	0000000237
Date	Jan 3, 2024
Instrument	2024000237

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2024
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	13.2%

Tax Assessment & Valuation

The 2025 property tax bill for 10304 Whitney Trce was $4,568 with exemptions applied, down 25.2% 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	China Spring Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$361,996 (+2.64%) Land $39,679 Building $322,317	$361,996 (+2.64%) Land $39,679 Building $322,317
2025	$4,568.00 (-25.21%) Homeowner's exemption Senior Citizen's exemption	$352,670 Land $36,120 Building $316,550	$352,670 Land $36,120 Building $316,550
2024	$6,108.00
2023		$359,660 Land $36,120 Building $323,540	$359,660 Land $36,120 Building $323,540
2022	$5,427.00

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

Flood

FEMA maps place 10304 Whitney Trce in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 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

Wildfire risk around 10304 Whitney Trce is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 46% of Texas
Wildfire Likelihood	0.1% 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 238 locations within half a mile, as of December 31, 2025

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