105 S Bermuda St, Waco, TX 76705 Property Records

McLennan County property record for 105 S Bermuda St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,285 sqft · built 1972
Lot Size	0.195 acres (8,475 sqft)
Owner	Individual Name on Record
Last Sale	$126,000 (May 2019)
Tax Bill	$1,070 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-038600-001400-7`

Property Details

APN / Parcel Number

Primary APN	`20-038600-001400-7`
Alternative APNs	`2003860000140070111` `115735`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,285 sqft Living Area
1st Floor Area	1,285 sqft
Flooring	Wood

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,475 sqft (0.195 acres)
Lot Dimensions	113 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	310 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	193 sqft
Deck Area	196 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 S BERMUDA ST
City	WACO
State	TX
Zip	76705-1840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PRUETT LOT 2 BLOCK 2 ACRES .1946
Legal Subdivision	PRUETT
Legal Block	2
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1034
Census Tract	1600

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	Individual Name on Record
Mailing Address	105 S BERMUDA ST, WACO, TX 76705-1840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST NATIONAL BANK OF HEBBRONVILLE
May 20, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Dec 4, 2018	Warranty Deed, Transfer NOT AVAILABLE
Dec 4, 2018	Warranty Deed, Transfer NOT AVAILABLE
Jul 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	Dec 4, 2018
Deed Document Number	201916367
Prior Transfer Date	Mar 9, 2017
Prior Transfer Doc	0000024280
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	105 S BERMUDA ST, WACO, TX 76705-1840
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041738
Date	Oct 12, 2021
Instrument	2021041738

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	105 S BERMUDA ST, WACO, TX 76705-1840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003994
Date	Feb 6, 2019
Instrument	2019003994

Lender

Name	THE FIRST NATIONAL BANK OF HEBBRONVILLE
Type	Bank
Address	MC GREGOR, TX 76657

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 20, 2019
Property Address	105 S BERMUDA ST, WACO, TX 76705-1840
Document Number	0000016367
Instrument Date	May 15, 2019
Instrument	16367
Transaction Type	Transfer
Record Updated	Jun 17, 2019
Title Company	NETCO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 S BERMUDA ST WACO TX 767051840, WACO, TX 76705-1840

Mortgage

Document Number	16368
Date	May 20, 2019
Instrument	16368

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 4, 2018
Property Address	105 S BERMUDA ST, WACO, TX 76705-1840
Document Number	0000041992
Instrument Date	Nov 30, 2018
Instrument	41992
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 473 WACO TX 767030473, WACO, TX 76703-0473

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 4, 2018
Property Address	105 S BERMUDA ST, WACO, TX 76705-1840
Document Number	0000041991
Instrument Date	Aug 24, 2018
Instrument	41991
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	710 N 64TH ST #A WACO TX 767104387, A, WACO, TX 76710-4387

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 27, 2017
Property Address	105 S BERMUDA ST, WACO, TX 76705-1840
Document Number	0000024280
Instrument Date	Mar 9, 2017
Instrument	24280
Transaction Type	Transfer
Record Updated	Aug 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	5400 BOSQUE BLVD #600 WACO TX 767104489, 600, WACO, TX 76710-4489

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Lacy-Lakeview City
Unified School District	Connally Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,866 (+1%)	$195,175 (+5.72%) Land $18,476 Building $176,699
2025	$1,070.00 (+8.52%) Homeowner's exemption	$124,424 (-23%) Land $16,780 Building $167,840	$184,620 (+14.25%) Land $16,780 Building $167,840
2024	$986.00 (+60.59%)
2023		$161,600 Land $16,780 Building $144,820	$161,600 Land $16,780 Building $144,820
2022	$614.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (1979–1989)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 1989 · Severe Storms, Tornadoes & Flooding

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	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% 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 LACY LAKEVIEW serves 7,275 people · EPA ID TX1550033
Water Source	Purchased surface water from CITY OF WACO
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025

Provider	Max 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 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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