107 Spring Creek St, Waco, TX 76705 Property Records

McLennan County property record for 107 Spring Creek St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,475 sqft · built 1983
Lot Size	0.987 acres (42,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$459,963 (Feb 2026)
Tax Bill	$7,507 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-032400-001725-7`

Property Details

APN / Parcel Number

Primary APN	`20-032400-001725-7`
Alternative APNs	`2003240000172570111` `114416`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,475 sqft Living Area
1st Floor Area	1,721 sqft
2nd Floor Area	754 sqft
Flooring	Carpet

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	42,994 sqft (0.987 acres)
Lot Dimensions	270 ft deep x 159 ft wide
Garage Type	Attached
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	240 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	107 SPRING CREEK ST
City	WACO
State	TX
Zip	76705-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	EATON A P ACRES .987
Legal Subdivision	EATON A P
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3004
Census Tract	3200

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	107 SPRING CREEK ST, WACO, TX 76705-1030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Vendor's Lien, Transfer · VA Mortgage EVERETT FINANCIAL INC
May 26, 2022	Vendor's Lien, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Nov 23, 2021	Vendor's Lien, Transfer · Line of Credit ALLIANCE BANK CENTRAL TEXAS
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Prior Sale	May 26, 2022 · Amount on Record
Deed Document Number	20265848
Prior Transfer Date	Jul 23, 2018
Prior Transfer Doc	0000025910
Record Updated	Oct 29, 2026

February 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 24, 2026
Property Address	107 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000005848
Instrument Date	Feb 23, 2026
Instrument	2026005848
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	TEXAS LEGACY LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 SPRING CREEK ST, WACO, TX 76705-1030

Mortgage

Document Number	0000005849
Date	Feb 24, 2026
Instrument	2026005849

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	May 26, 2022
Property Address	107 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000021229
Map Reference	DOC 2021047837
Instrument Date	May 23, 2022
Instrument	2022021229
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 WASHINGTON CT, LAKE OSWEGO, OR 97035-5245
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021230
Date	May 26, 2022
Instrument	2022021230

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Nov 23, 2021
Property Address	107 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000047837
Instrument Date	Nov 19, 2021
Instrument	2021047837
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 OAKWOOD LN, MCGREGOR, TX 76657-9515
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047838
Date	Nov 23, 2021
Instrument	2021047838

Lender

Name	ALLIANCE BANK CENTRAL TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 18, 2022

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 25, 2018
Property Address	107 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000025910
Instrument Date	Jul 23, 2018
Instrument	25910
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	107 SPRING CREEK ST WACO TX 767051030, WACO, TX 76705-1030

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 2, 2018
Property Address	107 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000022330
Instrument Date	Jun 28, 2018
Instrument	22330
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	107 SPRING CREEK ST WACO TX 767051030, WACO, TX 76705-1030

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		$454,814 (+16.28%) Land $65,780 Building $389,034	$454,814 (+16.28%) Land $65,780 Building $389,034
2025	$7,507.00 (-15.92%)	$391,130 (-22.4%) Land $60,190 Building $330,940	$391,130 (-22.4%) Land $60,190 Building $330,940
2024	$8,928.00 (+0.08%)
2023		$504,060 Land $60,190 Building $443,870	$504,060 Land $60,190 Building $443,870
2022	$8,921.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1995–2004)
Most Recent Claim	May 2004 · rainfall accumulation

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 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband, T-Mobile.

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