10401 Whitney Trce, Waco, TX 76708 Property Records

McLennan County property record for 10401 Whitney Trce, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,838 sqft · built 2009
Lot Size	0.273 acres (11,880 sqft)
Owner	Individual Name on File
Last Sale	$264,700 (Jul 2020)
Tax Bill	$3,919 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-003401-000805-0`

Property Details

APN / Parcel Number

Primary APN	`18-003401-000805-0`
Alternative APN	`349538`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,838 sqft Living Area
Gross Area	2,258 sqft
1st Floor Area	1,838 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	11,880 sqft (0.273 acres)
Lot Dimensions	144 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	206 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10401 WHITNEY TRCE
City	WACO
State	TX
Zip	76708-5687
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RESERVE @ LAKELAND MEADOWS ADDITION PHASE FIVE LOT 5 BLOCK 8 ACRES .2727
Legal Subdivision	RESERVE @ LAKELAND MEADOWS ADDITION PHAS
Legal Block	8
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2008
Census Tract	4105

Owner

10401 Whitney Trce is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	10401 WHITNEY TRCE, WACO, TX 76708-5687
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 16, 2020	Vendor's Lien, Transfer · FHA Mortgage GATEWAY FIRST BANK
Jul 2, 2018	Warranty Deed, Transfer CHURCHILL MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2020 · Amount on File
Deed Sale	Jul 16, 2020 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	202023828
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	0000023828
Record Updated	Oct 29, 2026

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 16, 2020
Property Address	10401 WHITNEY TRCE, WACO, TX 76708-5687
Document Number	0000023828
Map Reference	DOC 2008015026
Instrument Date	Jul 15, 2020
Instrument	2020023828
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10401 WHITNEY TRCE, WACO, TX 76708-5687

Mortgage

Document Number	0000023829
Date	Jul 16, 2020
Instrument	2020023829

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Change Frequency	2 Years

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 2, 2018
Property Address	10401 WHITNEY TRCE, WACO, TX 76708-5687
Document Number	0000022272
Instrument Date	Jun 28, 2018
Instrument	22272
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10401 WHITNEY TRACE DR WACO TX 76708, WACO, TX 76708

Mortgage

Document Number	22273
Date	Jul 2, 2018
Instrument	22273

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10401 Whitney Trce was $3,919 with exemptions applied, down 16.6% from the year before.

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

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
2026		$339,988 (+1.63%) Land $39,679 Building $300,309	$339,988 (+1.63%) Land $39,679 Building $300,309
2025	$3,919.00 (-16.6%) Homeowner's exemption Senior Citizen's exemption	$334,530 Land $36,120 Building $298,410	$334,530 Land $36,120 Building $298,410
2024	$4,699.00
2023		$337,880 Land $36,120 Building $301,760	$337,880 Land $36,120 Building $301,760
2022	$4,373.00

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

Flood

FEMA maps place 10401 Whitney Trce in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 10401 Whitney Trce is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 88% 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.

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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