McLennan County property record for 109 Lost Oaks Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,523 sqft · built 1991 |
| Lot Size | 0.346 acres (15,072 sqft) |
| Owner | Individual Name on File |
| Last Sale | $349,657 (Oct 2020) |
| Tax Bill | $1,333 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-032400-000856-0 |
| Primary APN | 20-032400-000856-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,523 sqft Living Area |
| Gross Area | 3,031 sqft |
| 1st Floor Area | 2,523 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 15,072 sqft (0.346 acres) |
| Lot Dimensions | 130 ft deep x 116 ft wide |
| Garage Type | Attached |
| Garage Area | 508 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 130 sqft |
| Patio Area | 712 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 LOST OAKS DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | EATON A P ACRES .346 |
| Legal Subdivision | EATON A P |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 3402 |
109 Lost Oaks Dr is owned and occupied by an individual who bought it in October 2020.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 LOST OAKS DR, WACO, TX 76705-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF CENTRAL TX |
| Oct 15, 2020 | Vendor's Lien, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK OF CENTRAL CA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on File |
| Deed Sale | Oct 15, 2020 · Amount on File |
| Deed Document Number | 202036855 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 109 LOST OAKS DR, WACO, TX 76705-1743 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011173 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021011173 |
| Name | FIRST NATIONAL BANK OF CENTRAL TX |
|---|---|
| Type | Bank |
| Address | WOODWAY, TX 76712 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Oct 15, 2020 |
| Property Address | 109 LOST OAKS DR, WACO, TX 76705-1743 |
| Document Number | 0000036855 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 2020036855 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 LOST OAKS DR, WACO, TX 76705-1743 |
| Document Number | 0000036856 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020036856 |
| Name | FIRST NATIONAL BANK OF CENTRAL CA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 109 Lost Oaks Dr was $1,333 with exemptions applied, down 20.3% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Connally Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $372,670 (-5.1%) Land $38,433 Building $334,237 | $372,670 (-5.1%) Land $38,433 Building $334,237 | |
| 2025 | $1,333.00 (-20.32%) Homeowner's exemption Senior Citizen's exemption | $392,680 Land $34,970 Building $357,710 | $392,680 Land $34,970 Building $357,710 |
| 2024 | $1,673.00 | ||
| 2023 | $388,340 Land $34,970 Building $353,370 | $388,340 Land $34,970 Building $353,370 | |
| 2022 | $1,566.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Lost Oaks Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015) |
| Most Recent Claim | Oct 2015 · 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 risk around 109 Lost Oaks Dr is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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