104 Turtle Creek Rd, Waco, TX 76710 Property Records

McLennan County property record for 104 Turtle Creek Rd, Waco, TX 76710

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,152 sqft · built 1955
Lot Size0.367 acres (15,987 sqft)
OwnerIndividual Name on File
Last Sale$96,900 (Jun 2010)
Tax Bill$3,492 (2025)
Deeds & MortgagesMay 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN48-038800-018400-8

Property Details

APN / Parcel Number

Primary APN48-038800-018400-8
Alternative APNs
  • 4803880001840080111
  • 191382

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area2,152 sqft Living Area
Gross Area2,636 sqft
1st Floor Area2,152 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1978
Exterior MaterialBrick Veneer
Roof MaterialComposition Shingle
Lot Area15,987 sqft (0.367 acres)
Lot Dimensions158 ft deep x 117 ft wide
Garage TypeAttached
Garage Area484 sqft
DrivewayAsphalt Driveway
Driveway Area1,200 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area150 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address104 TURTLE CREEK RD
CityWACO
StateTX
Zip76710-1522
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B
Legal DescriptionSTEPHENS J M ACRES .367
Legal SubdivisionSTEPHENS J M
JurisdictionMCLENNAN TX
Township / Civil DivisionWACO
Census Block Group5
Census Block5019
Census Tract2600

Owner

104 Turtle Creek Rd is owned and occupied by an individual who bought it in June 2010.

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

Owner of RecordIndividual Name on File
Mailing Address104 TURTLE CREEK RD, WACO, TX 76710-1522
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleJun 1, 2010 · Amount on File
Deed SaleJun 1, 2010 · Amount on File
Prior SaleDec 30, 2005 · Amount on File
Deed Document Number201016584
Prior Transfer DateDec 27, 2005
Prior Transfer Doc0000048999
Record UpdatedOct 29, 2026

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address104 TURTLE CREEK RD, WACO, TX 76710-1522
Document Number0000016891
Instrument DateMay 1, 2020
Transaction TypeMortgage
Record UpdatedJul 3, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address104 TURTLE CREEK RD WACO TX 767101522, WACO, TX 76710-1522

Mortgage

Document Number0000016891
DateMay 26, 2020
Instrument16891
Lender
NameCOMMUNITY BK
TypeBank
AddressWACO, TX 76703-2303
Agreement
AmountAmount on Record
Term60 Months
DueMay 25, 2025
Interest
Rate3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 104 Turtle Creek Rd was $3,492 with a homeowner's exemption, up 2.6% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

TypeName
StateTexas
CountyMcLennan County
MunicipalityWaco City
Unified School DistrictWaco Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$270,623 (+1%)$278,945 (-4.26%) Land $43,643 Building $235,302
2025$3,492.00 (+2.59%) Homeowner's exemption$246,021 Land $39,650 Building $251,710$291,360 Land $39,650 Building $251,710
2024$3,404.00
2023$286,990 Land $39,650 Building $247,340$286,990 Land $39,650 Building $247,340
2022$2,941.00

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

Flood

FEMA maps place 104 Turtle Creek Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 Turtle Creek Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemCITY OF WACO
serves 146,241 people · EPA ID TX1550008
Water SourceSurface water
Last State InspectionMay 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 279 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area
5,000 / 5,000
Astound Broadband
Cable
1,500 / 50
Spectrum
Cable
1,000 / 50
Nextlink
Fixed Wireless
500 / 100
Verizon
Fixed Wireless
300 / 20

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