McLennan County property record for 10316 Saddle Creek Rd, Waco, TX 76708
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $461,177 (Jul 2026) |
| Tax Bill | $1,675 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-038328-000113-0 |
| Primary APN | 14-038328-000113-0 |
|---|---|
| Alternative APN |
|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|
| Street Address | 10316 SADDLE CREEK RD |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76708-7345 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | SADDLE CREEK II PH 2 LOT 13 BLOCK 1 ACRES 0.23 |
| Legal Subdivision | SADDLE CREEK II PH 2 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 4104 |
Source: McLennan County records, as of July 13, 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 | 10316 SADDLE CREEK RD, WACO, TX 76708-7345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Mar 3, 2026 | Deed of Trust, Mortgage · Non-Conforming Investor Loan TFNB YOUR BANK FOR LIFE |
| Apr 4, 2025 | Vendor's Lien, Transfer · Construction Mortgage TFNB YOUR BANK FOR LIFE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on Record |
| Deed Sale | Jul 1, 2026 · Amount on Record |
| Prior Sale | Apr 4, 2025 |
| Deed Document Number | 202620997 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 1, 2026 |
| Property Address | 10316 SADDLE CREEK RD, WACO, TX 76708-7345 |
| Document Number | 0000020997 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202620997 |
| Record Updated | Jul 14, 2026 |
| Title Company | ALAMO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10316 SADDLE CREEK RD, WACO, TX 76708-7345 |
| Document Number | 0000020998, |
|---|---|
| Date | Jul 1, 2026 |
| Instrument | 202620998 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 10316 SADDLE CREEK RD, WACO, TX 76708-7345 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2089 BUSTER CHATHAM RD, WACO, TX 76705-5255 |
| Document Number | 0000006650 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026006650 |
| Name | TFNB YOUR BANK FOR LIFE |
|---|---|
| Type | Bank |
| Address | MCGREGOR, TX 76657 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Apr 4, 2025 |
| Property Address | 10316 SADDLE CREEK RD, WACO, TX 76708-7345 |
| Document Number | 0000009980 |
| Map Reference | DOC 2023007299 |
| Instrument Date | Mar 20, 2025 |
| Instrument | 2025009980 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | ALA TITLE, ALAMO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1057 QUAIL HAVEN RD, CHINA SPRING, TX 76633-3570 |
| Name | Verified Name |
|---|---|
| Address | 2089 BUSTER CHATHAM RD, WACO, TX 76705-5255 |
| Document Number | 0000009981 |
|---|---|
| Date | Apr 4, 2025 |
| Instrument | 2025009981 |
| Name | TFNB YOUR BANK FOR LIFE |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Mar 20, 2026 |
Source: McLennan County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Bosqueville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,675.00 (+20.76%) | $91,670 Land $91,670 | $91,670 Land $91,670 |
| 2024 | $1,387.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 18 policies |
| Nearby Flood Policies | 18 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Fiber · Cable | 1,500 / 1,500 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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