McLennan County property record for 104 Lost Oaks Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,007 sqft · built 2006 |
| Lot Size | 0.531 acres (23,130 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,162 (Jul 2025) |
| Tax Bill | $3,356 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-021102-000402-9 |
| Primary APN | 20-021102-000402-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,007 sqft Living Area |
| Gross Area | 3,159 sqft |
| 1st Floor Area | 2,007 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 23,130 sqft (0.531 acres) |
| Lot Dimensions | 180 ft deep x 118 ft wide |
| Garage Type | Attached |
| Garage Area | 702 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 300 sqft |
| Patio Area | 261 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 104 LOST OAKS DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | BLUFFS LOT 2 BLOCK D ACRES .531 |
| Legal Subdivision | BLUFFS |
| Legal Block | D |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 3402 |
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 | 104 LOST OAKS DR, WACO, TX 76705-1779 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2025 | Vendor's Lien, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 16, 2018 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2025 · Amount on Record |
| Deed Sale | Jul 17, 2025 · Amount on Record |
| Prior Sale | Dec 17, 2015 · Amount on Record |
| Deed Document Number | 202521506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 17, 2025 |
| Property Address | 104 LOST OAKS DR, WACO, TX 76705-1779 |
| Document Number | 0000021506 |
| Map Reference | VOL 557 PG 602 |
| Instrument Date | Jul 15, 2025 |
| Instrument | 2025021506 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | FIRST TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 444, LIBERTY HILL, TX 78642-0444 |
| Name | Verified Name |
|---|---|
| Address | 104 LOST OAKS DR, WACO, TX 76705-1779 |
| Document Number | 0000021507 |
|---|---|
| Date | Jul 17, 2025 |
| Instrument | 2025021507 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 104 LOST OAKS DR, WACO, TX 76705-1779 |
| Document Number | 0000006610 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 LOST OAKS DR WACO TX 767051779, WACO, TX 76705-1779 |
| Document Number | 0000006610 |
|---|---|
| Date | Mar 1, 2018 |
| Instrument | 6610 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 29, 2048 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Connally Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $395,719 (-3.95%) Land $43,716 Building $352,003 | $395,719 (-3.95%) Land $43,716 Building $352,003 | |
| 2025 | $3,356.00 (-24.31%) | $412,010 (+1.17%) Land $39,780 Building $372,230 | $412,010 (+1.17%) Land $39,780 Building $372,230 |
| 2024 | $4,434.00 (-1.58%) | ||
| 2023 | $407,240 Land $39,780 Building $367,460 | $407,240 Land $39,780 Building $367,460 | |
| 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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015) |
| Most Recent Claim | Oct 2015 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 75% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% 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 | CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 87 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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