McLennan County property record for 109 S Bermuda St, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,178 sqft · built 1962 |
| Lot Size | 0.195 acres (8,475 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,397 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-038600-001600-0 |
| Primary APN | 20-038600-001600-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,178 sqft Living Area |
| Gross Area | 2,618 sqft |
| 1st Floor Area | 2,178 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,475 sqft (0.195 acres) |
| Lot Dimensions | 113 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 S BERMUDA ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | PRUETT LOT 4 BLOCK 2 ACRES .1946 |
| Legal Subdivision | PRUETT |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 1600 |
109 S Bermuda St is owned and occupied by two individuals.
Source: McLennan County records, as of September 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10607 LARCH GROVE CT, HELOTES, TX 78023-4694 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 21, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 21, 2026 | Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Aug 21, 2026 |
| Property Address | 109 S BERMUDA ST, WACO, TX 76705-1840 |
| Document Number | 0000026972 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 202626972 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 109 S BERMUDA ST, WACO, TX 76705-1840 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Aug 21, 2026 |
| Property Address | 109 S BERMUDA ST, WACO, TX 76705-1840 |
| Document Number | 0000026973 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 202626973 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 10607 LARCH GROVE CT, HELOTES, TX 78023-4694 |
The 2025 property tax bill for 109 S Bermuda St was $1,397 with exemptions applied, up 2.3% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Lacy-Lakeview City |
| Unified School District | Connally Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,700 (+1%) | $210,000 (-37.07%) Land $18,476 Building $191,524 | |
| 2025 | $1,397.00 (+2.34%) Homeowner's exemption Senior Citizen's exemption | $187,000 Land $16,780 Building $316,950 | $333,730 Land $16,780 Building $316,950 |
| 2024 | $1,365.00 | ||
| 2023 | $170,000 Land $6,700 Building $163,300 | $170,000 Land $6,700 Building $163,300 | |
| 2022 | $919.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 S Bermuda St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 2 (1979–1989) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1989 · Severe Storms, Tornadoes & Flooding |
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 S Bermuda St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 89% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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