10516 Calaveras, Waco, TX 76708 Property Records

McLennan County property record for 10516 Calaveras, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,976 sqft · built 2004
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$151,712 (Mar 2005)
Tax Bill	$5,287 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-003400-000420-0`

Property Details

APN / Parcel Number

Primary APN	`18-003400-000420-0`
Alternative APN	`323972`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,976 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	144 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	544 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	234 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10516 CALAVERAS
City	WACO
State	TX
Zip	76708-5784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RESERVE @ LAKELAND MEADOWS LOT 20 BLOCK 4 ACRES .2479
Legal Subdivision	RESERVE @ LAKELAND MEADOWS
Legal Block	4
Legal Lot Number	20
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2013
Census Tract	4105

Owner

Source: McLennan County records, as of August 25, 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	10516 CALAVERAS, WACO, TX 76708-5784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage 1ST UNIVERSITY CU
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST UNIVERSITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2005 · Amount on Record
Deed Sale	Mar 28, 2005 · Amount on Record
Deed Document Number	200511490
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	10516 CALAVERAS, WACO, TX 76708-5784
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10516 CALAVERAS, WACO, TX 76708-5784

Mortgage

Document Number	0000034521
Date	Nov 10, 2025
Instrument	2025034521

Lender

Name	1ST UNIVERSITY CU
Type	Credit Union
Address	WACO, TX 76706

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	8.87%
Index	SOFR Average 30-Day
Max Rate	11.8%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	10516 CALAVERAS, WACO, TX 76708-5784
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035589
Date	Oct 6, 2020
Instrument	2020035589

Lender

Name	1ST UNIVERSITY CU
Type	Credit Union
Address	WACO, TX 76706

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	8%

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		$342,427 (+2.66%) Land $38,124 Building $304,303	$342,427 (+2.66%) Land $38,124 Building $304,303
2025	$5,287.00 (-3.19%) Homeowner's exemption	$333,570 (-0.09%) Land $34,670 Building $298,900	$333,570 (-0.09%) Land $34,670 Building $298,900
2024	$5,461.00 (+12.69%)
2023		$333,860 Land $34,670 Building $299,190	$333,860 Land $34,670 Building $299,190
2022	$4,846.00

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 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	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.06% 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 238 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 · Fiber in parts of the area	1,000 / 50
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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