109 Gail Dr, Waco, TX 76708 Property Records

McLennan County property record for 109 Gail Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,561 sqft · built 1972
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,884 (Apr 2023)
Tax Bill	$3,233 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-039505-000900-9`

Property Details

APN / Parcel Number

Primary APN	`18-039505-000900-9`
Alternative APNs	`1803950500090090111` `110273`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,561 sqft Living Area
Gross Area	2,089 sqft
1st Floor Area	1,561 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
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	528 sqft
Driveway	Concrete Driveway
Driveway Area	1,900 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 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 3 BLOCK 2 ACRES .287
Legal Subdivision	SULLIVANS LAKE WACO
Legal Block	2
Legal Lot Number	3
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	109 GAIL DR, WACO, TX 76708-5803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Apr 26, 2023	Vendor's Lien, Transfer · FHA Mortgage FIRST NATIONAL BANK TEXAS
Aug 9, 2018	Deed in Lieu of Foreclosure, Foreclosure
Sep 1, 2017	Loan Modification, Mortgage HINES GROUP TEXAS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2023 · Amount on Record
Deed Sale	Apr 26, 2023 · Amount on Record
Prior Sale	Aug 9, 2018
Deed Document Number	202311898
Prior Transfer Date	Aug 21, 2015
Prior Transfer Doc	0000026683
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	109 GAIL DR, WACO, TX 76708-5803
Transaction Type	Mortgage
Record Updated	May 16, 2023
Title Company	NOT AVAILABLE, TEXAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 GAIL DR, WACO, TX 76708-5803

Mortgage

Document Number	0000011900
Date	Apr 26, 2023
Instrument	2023011900

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 25, 2026

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Apr 26, 2023
Property Address	109 GAIL DR, WACO, TX 76708-5803
Document Number	0000011898
Map Reference	VOL 1076 PG 753
Instrument Date	Apr 25, 2023
Instrument	2023011898
Transaction Type	Transfer
Record Updated	May 16, 2023
Title Company	NOT AVAILABLE, TEXAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 GAIL DR, WACO, TX 76708-5803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 GAIL DR, WACO, TX 76708-5803

Mortgage

Document Number	0000011899
Date	Apr 26, 2023
Instrument	2023011899

Lender

Name	FIRST NATIONAL BANK TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	MCLENNAN TX
Recording Date	Aug 9, 2018
Property Address	109 GAIL DR, WACO, TX 76708-5803
Document Number	0000028250
Instrument Date	Aug 2, 2018
Instrument	28250
Transaction Type	Foreclosure
Record Updated	Sep 5, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	109 GAIL DR WACO TX 767085803, WACO, TX 76708-5803

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	109 GAIL DR, WACO, TX 76708-5803
Document Number	0000039221
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 GAIL DR WACO TX 767085803, WACO, TX 76708-5803

Mortgage

Document Number	0000039221
Date	Nov 29, 2017
Instrument	39221

Lender

Name	HINES GROUP TEXAS LLC
Address	601 LAKE AIR DR # B, WACO, TX 76710-5841

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 28, 2018

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		$233,841 (+1.34%) Land $29,500 Building $204,341	$233,841 (+1.34%) Land $29,500 Building $204,341
2025	$3,233.00 (-38.4%) Homeowner's exemption	$230,740 (-4.25%) Land $26,750 Building $203,990	$230,740 (-4.25%) Land $26,750 Building $203,990
2024	$5,248.00 (-2.53%)
2023		$240,970 Land $26,750 Building $214,220	$240,970 Land $26,750 Building $214,220
2022	$5,384.00

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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