105 Gail Dr, Waco, TX 76708 Property Records

McLennan County property record for 105 Gail Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 1971
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,331 (May 2026)
Tax Bill	$1,872 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-039505-000800-2`

Property Details

APN / Parcel Number

Primary APN	`18-039505-000800-2`
Alternative APNs	`1803950500080020111` `110272`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,160 sqft Living Area
1st Floor Area	1,512 sqft
2nd Floor Area	648 sqft
Upper Floors Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1984
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	945 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	232 sqft
Patio Area	300 sqft
Storage Building	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 GAIL DR
City	WACO
State	TX
Zip	76708-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SULLIVANS LAKE WACO LOT 2 BLOCK 2 ACRES .287
Legal Subdivision	SULLIVANS LAKE WACO
Legal Block	2
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2022
Census Tract	4105

Owner

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	105 GAIL DR, WACO, TX 76708-5803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDUCATORS CU
May 26, 2026	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 3, 2019	Grant Deed, Mortgage · Line of Credit EDUCATORS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Deed Document Number	202616511
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	105 GAIL DR, WACO, TX 76708-5803
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023993
Date	Jun 18, 2021
Instrument	2021023993

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	WACO, TX 76702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 20, 2036

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 26, 2026
Property Address	105 GAIL DR, WACO, TX 76708-5803
Document Number	0000016511
Instrument Date	May 22, 2026
Instrument	202616511
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 GAIL DR, WACO, TX 76708-5803

Mortgage

Document Number	0000016512,
Date	May 26, 2026
Instrument	202616512

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 3, 2019
Property Address	105 GAIL DR, WACO, TX 76708-5803
Instrument Date	Jun 26, 2019
Instrument	21965
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 GAIL DR WACO TX 767085803, WACO, TX 76708-5803

Mortgage

Document Number	0000021965
Date	Jul 3, 2019
Instrument	21965

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	PO BOX 20728, WACO, TX 76702-0728

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 2, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$215,000 (-8.39%) Land $29,500 Building $185,500	$215,000 (-8.39%) Land $29,500 Building $185,500
2025	$1,872.00 (-10.17%) Homeowner's exemption Senior Citizen's exemption	$234,692 (-16.32%) Land $26,750 Building $207,942	$234,692 (-16.32%) Land $26,750 Building $207,942
2024	$2,084.00 (+14.63%)
2023		$280,470 Land $26,750 Building $253,720	$280,470 Land $26,750 Building $253,720
2022	$1,818.00

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

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 168 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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