108 Spring Creek St, Waco, TX 76705 Property Records

McLennan County property record for 108 Spring Creek St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,637 sqft · built 1986
Lot Size	1.02 acres (44,596 sqft)
Owner	Company Name on Record
Last Sale	$312,700 (Jul 2025)
Deeds & Mortgages	Oct 2022 Reverse Mortgage Oct 2017 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-039500-000101-1`

Property Details

APN / Parcel Number

Primary APN	`20-039500-000101-1`
Alternative APNs	`2003950000010110111` `115767`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,637 sqft Living Area
Gross Area	3,099 sqft
1st Floor Area	2,637 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	44,596 sqft
Lot Dimensions	405 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	2,500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	156 sqft
Storage Building	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	108 SPRING CREEK ST
City	WACO
State	TX
Zip	76705-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SPRING LAKE LOT 5 BLOCK G ACRES 1.1042
Legal Subdivision	SPRING LAKE
Legal Block	G
Legal Lot Number	5
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	Company Name on Record
Mailing Address	338 ESTES RANCH RD, BRUCEVILLE, TX 76630-3395
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage PREMIUM SECURITY INC
Oct 12, 2017	Intrafamily Transfer, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Dec 23, 2019
Deed Document Number	202520816
Prior Transfer Date	Sep 1, 2017
Prior Transfer Doc	0000028871
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	108 SPRING CREEK ST, WACO, TX 76705-1031
Transaction Type	Mortgage
Record Updated	Nov 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRING CREEK ST, WACO, TX 76705-1031

Mortgage

Document Number	0000042283
Date	Oct 27, 2022
Instrument	2022042283

Lender

Name	PREMIUM SECURITY INC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Index	LIBOR

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Oct 12, 2017
Property Address	108 SPRING CREEK ST, WACO, TX 76705-1031
Document Number	0000033905
Map Reference	VOL1547 PG127
Instrument Date	Oct 5, 2017
Instrument	2017033905
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRING CREEK ST, WACO, TX 76705-1031

Mortgage

Document Number	0000033906
Date	Oct 12, 2017
Instrument	2017033906

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

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	Assessed Value	Assessed Market Value
2026	$461,022 (+16.63%) Land $66,894 Building $394,128	$461,022 (+16.63%) Land $66,894 Building $394,128
2025	$395,290 (-23.09%) Land $58,870 Building $336,420	$395,290 (-23.09%) Land $58,870 Building $336,420
2023	$513,970 Land $58,870 Building $455,100	$513,970 Land $58,870 Building $455,100

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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