109 N Oak St, Waco, TX 76705 Property Records

McLennan County property record for 109 N Oak St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,182 sqft · built 1950
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$43,100 (Apr 2011)
Tax Bill	$1,244 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-030600-005600-7`

Property Details

APN / Parcel Number

Primary APN	`20-030600-005600-7`
Alternative APNs	`2003060000560070111` `113652`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,182 sqft Living Area
1st Floor Area	1,182 sqft
Flooring	Wood

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Open Porch
Porch Area	60 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 N OAK ST
City	WACO
State	TX
Zip	76705-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LAKEVIEW LOT C BLOCK 14 ACRES .258
Legal Subdivision	LAKEVIEW
Legal Block	14
Legal Lot Number	C
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3039
Census Tract	3200

Owner

109 N Oak St is owned and occupied by two individuals who bought it in April 2011.

Source: McLennan County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 N OAK ST, WACO, TX 76705-1936
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage WELLS FARGO BANK NA
Dec 5, 2025	Warranty Deed, Transfer
May 7, 2020	Loan Modification, Mortgage AMERICAN BK NA
Nov 19, 2019	Deed of Trust, Mortgage AMERICAN BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2011 · Amount on File
Deed Sale	Apr 25, 2011 · Amount on File
Prior Sale	Jan 13, 2011
Deed Document Number	201111774
Prior Transfer Date	Apr 19, 2011
Prior Transfer Doc	0000011774
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	109 N OAK ST, WACO, TX 76705-1936
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029920
Date	Jul 29, 2021
Instrument	2021029920

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 5, 2025
Property Address	109 N OAK ST, WACO, TX 76705-1936
Document Number	0000037345
Map Reference	VOL 254 PG 502
Instrument Date	Dec 2, 2025
Instrument	2025037345
Transaction Type	Transfer
Record Updated	Dec 26, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 N OAK ST, WACO, TX 76705-1936

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	109 N OAK ST, WACO, TX 76705-1936
Document Number	0000016926
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	109 N OAK ST WACO TX 767051936, WACO, TX 76705-1936

Mortgage

Document Number	0000016926
Date	May 27, 2020
Instrument	16926

Lender

Name	AMERICAN BK NA
Address	WACO, TX 76715-4068

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 26, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	109 N OAK ST, WACO, TX 76705-1936
Document Number	0000039537
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	AMERICAN GUARANTY TITLE COMPANY, AMERICAN GUARANTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	109 N OAK ST WACO TX 767051936, WACO, TX 76705-1936

Mortgage

Document Number	0000039537
Date	Nov 26, 2019
Instrument	39537

Lender

Name	AMERICAN BK NA
Address	WACO, TX 76715-4068

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 N Oak St was $1,244 with a homeowner's exemption, down 5.8% from the year before.

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		$153,799 (+1%)	$158,913 (-3.07%) Land $47,988 Building $110,925
2025	$1,244.00 (-5.83%) Homeowner's exemption	$139,817 Land $43,610 Building $120,330	$163,940 Land $43,610 Building $120,330
2024	$1,321.00
2023		$158,490 Land $43,610 Building $114,880	$158,490 Land $43,610 Building $114,880
2022	$919.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 N Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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
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

Wildfire risk around 109 N Oak St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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