McLennan County property record for 10320 Durango Trl, Waco, TX 76712
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,885 sqft · built 2003 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $291,300 (Jul 2019) |
| Tax Bill | $4,761 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-001205-010009-0 |
| Primary APN | 36-001205-010009-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,885 sqft Living Area |
| Gross Area | 2,335 sqft |
| 1st Floor Area | 1,885 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 9,100 sqft (0.209 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 750 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 113 sqft |
| Patio Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10320 DURANGO TRL |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76712-8394 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ARROWHEAD EST LOT 9 BLOCK 19 ACRES .2089 |
| Legal Subdivision | ARROWHEAD EST |
| Legal Block | 19 |
| Legal Lot Number | 9 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 3708 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · Line of Credit EDUCATORS CREDIT UNION |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL NATIONAL BANK |
| Jul 1, 2019 | Vendor's Lien, Transfer · Commercial Mortgage CENTRAL NATIONAL BANK |
| Jun 16, 2017 | Vendor's Lien, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on Record |
| Deed Sale | Jul 1, 2019 · Amount on Record |
| Prior Sale | Jun 16, 2017 · Amount on Record |
| Deed Document Number | 201921647 |
| Prior Transfer Date | Jun 27, 2019 |
| Prior Transfer Doc | 0000021647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 29, 2026 |
| Property Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Document Number | 0000017020 |
| Instrument Date | May 18, 2026 |
| Instrument | 202617020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Document Number | 0000017020, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 202617020 |
| Name | EDUCATORS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 17, 2041 |
| Rate | 5.65% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003574 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 2020003574 |
| Name | CENTRAL NATIONAL BANK |
|---|---|
| Type | Subprime Lender |
| Address | TEMPLE, TX 76502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 1, 2019 |
| Property Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Document Number | 0000021647 |
| Map Reference | VOL 714 PG 703 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 2019021647 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Document Number | 0000021648 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 2019021648 |
| Name | CENTRAL NATIONAL BANK |
|---|---|
| Type | Subprime Lender |
| Special Notes | Seller Financed |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 16, 2017 |
| Property Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Document Number | 0000019503 |
| Map Reference | VOL714 PG703 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 2017019503 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10320 DURANGO TRL, WACO, TX 76712-8394 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019504 |
|---|---|
| Date | Jun 16, 2017 |
| Instrument | 2017019504 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Midway Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $295,715 (-4.95%) Land $32,123 Building $263,592 | $295,715 (-4.95%) Land $32,123 Building $263,592 | |
| 2025 | $4,761.00 (-6.7%) Homeowner's exemption | $311,120 (-4.74%) Land $29,210 Building $281,910 | $311,120 (-4.74%) Land $29,210 Building $281,910 |
| 2024 | $5,103.00 (+13.27%) | ||
| 2023 | $326,600 Land $29,210 Building $297,390 | $326,600 Land $29,210 Building $297,390 | |
| 2022 | $4,505.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 5 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 | Low lower than 94% of the US · lower than 97.4% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 484 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
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