104 Gail Dr, Waco, TX 76708 Property Records

McLennan County property record for 104 Gail Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 1971
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Individual Names on File
Last Sale	$273,331 (Jul 2023)
Tax Bill	$3,907 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18-039505-000200-4`

Property Details

APN / Parcel Number

Primary APN	`18-039505-000200-4`
Alternative APNs	`1803950500020040111` `110266`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
Gross Area	2,152 sqft
1st Floor Area	1,522 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	630 sqft
Driveway	Concrete Driveway
Driveway Area	1,700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	326 sqft
Patio Area	180 sqft
Storage Building	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 GAIL DR
City	WACO
State	TX
Zip	76708-5804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SULLIVANS LAKE WACO LOT 2 BLOCK 1 ACRES .3214
Legal Subdivision	SULLIVANS LAKE WACO
Legal Block	1
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2020
Census Tract	4105

Owner

Source: McLennan County assessment roll, as of September 9, 2025

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 File
Mailing Address	104 GAIL DR, WACO, TX 76708-5804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 6, 2023	Vendor's Lien, Transfer · VA Mortgage AMCAP MORTGAGE LTD
Feb 9, 2023	Vendor's Lien, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF MCGREGOR
Dec 22, 2017	Deed of Trust, Mortgage AMERICAN BANK NA
Sep 28, 2017	Deed of Trust, Mortgage AMERICAN BANK NA
Aug 16, 2019	Deed of Trust, Mortgage CRESCENT MTG
Jun 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 6, 2023 · Amount on Record
Deed Sale	Jul 6, 2023 · Amount on Record
Prior Sale	Feb 9, 2023 · Amount on Record
Deed Document Number	202320821
Prior Transfer Date	Jun 12, 2018
Prior Transfer Doc	0000019563
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	104 GAIL DR, WACO, TX 76708-5804
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 GAIL DR, WACO, TX 76708-5804

Mortgage

Document Number	0000008690
Date	Mar 20, 2026
Instrument	2026008690

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 6, 2023
Property Address	104 GAIL DR, WACO, TX 76708-5804
Document Number	0000020821
Map Reference	VOL 1076 PG 753
Instrument Date	Jul 6, 2023
Instrument	2023020821
Transaction Type	Transfer
Record Updated	Jul 26, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 GAIL DR, WACO, TX 76708-5804

Mortgage

Document Number	0000020822
Date	Jul 6, 2023
Instrument	2023020822

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 9, 2023
Property Address	104 GAIL DR, WACO, TX 76708-5804
Document Number	0000003608
Map Reference	VOL 1076 PG 753
Instrument Date	Feb 3, 2023
Instrument	2023003608
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	NOT AVAILABLE, AGT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 S CEDAR RIDGE CIR, ROBINSON, TX 76706-5670

Mortgage

Document Number	0000003609
Date	Feb 9, 2023
Instrument	2023003609

Lender

Name	FIRST NATIONAL BANK OF MCGREGOR
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 2, 2043

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	104 GAIL DR, WACO, TX 76708-5804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041849
Date	Dec 22, 2017
Instrument	2017041849

Lender

Name	AMERICAN BANK NA
Type	Bank
Address	WACO, TX 76715

Agreement

Amount	Amount Recorded

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	104 GAIL DR, WACO, TX 76708-5804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032105
Date	Sep 28, 2017
Instrument	2017032105

Lender

Name	AMERICAN BANK NA
Type	Bank
Address	WACO, TX 76715

Agreement

Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	104 GAIL DR, WACO, TX 76708-5804
Document Number	0000027991
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	AMERICAN GUARANTY TITLE COMPANY, AMERICAN GUARANTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 GAIL DR WACO TX 767085804, WACO, TX 76708-5804

Mortgage

Document Number	0000027991
Date	Aug 21, 2019
Instrument	27991

Lender

Name	CRESCENT MTG
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 13, 2018
Property Address	104 GAIL DR, WACO, TX 76708-5804
Document Number	0000019563
Instrument Date	Jun 12, 2018
Instrument	19563
Transaction Type	Transfer
Record Updated	Jul 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 GAIL DR WACO TX 767085804, WACO, TX 76708-5804

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of September 9, 2025

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
2025		$241,180 (-4.26%) Land $27,580 Building $213,600	$241,180 (-4.26%) Land $27,580 Building $213,600
2024	$3,907.00 (-30.59%)
2023		$251,900 (+7.06%) Land $27,580 Building $224,320	$251,900 (+7.06%) Land $27,580 Building $224,320
2022	$5,629.00 Homeowner's exemption	$235,280 Land $24,080 Building $211,200	$235,280 Land $24,080 Building $211,200

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Radiate Holdings Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable	1,000 / 1,000
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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