McLennan County property record for 109 Spring Creek St, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,216 sqft · built 1997 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,335 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-039500-000703-3 |
| Primary APN | 20-039500-000703-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,216 sqft Living Area |
| Gross Area | 2,700 sqft |
| 1st Floor Area | 2,216 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 47,916 sqft |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 3,500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 SPRING CREEK ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | SPRING LAKE LOT 5 BLOCK H ACRES 1.1 |
| Legal Subdivision | SPRING LAKE |
| Legal Block | H |
| Legal Lot Number | 5 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 3200 |
109 Spring Creek St is owned and occupied by two individuals who acquired it in September 2005.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 SPRING CREEK ST, WACO, TX 76705-1030 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 13, 2005 |
| Transfer Doc | 0000035771 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 25, 2022 |
| Property Address | 109 SPRING CREEK ST, WACO, TX 76705-1030 |
| Document Number | 0000030576 |
| Map Reference | VOL 1803 POG 305 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 2022030576 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2022 |
| Title Company | NOT AVAILABLE, TEXAS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 SPRING BRANCH RD, WACO, TX 76705-1003 |
| Document Number | 0000030577 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 2022030577 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
The 2025 property tax bill for 109 Spring Creek St was $3,335 with exemptions applied, down 2.7% 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 | $424,358 (+1%) | $442,612 (+14.73%) Land $69,478 Building $373,134 | |
| 2025 | $3,335.00 (-2.74%) Homeowner's exemption Senior Citizen's exemption | $385,780 Land $63,250 Building $322,530 | $385,780 Land $63,250 Building $322,530 |
| 2024 | $3,429.00 | ||
| 2023 | $494,210 Land $63,250 Building $430,960 | $494,210 Land $63,250 Building $430,960 | |
| 2022 | $2,407.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Spring Creek St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 109 Spring Creek St is moderate, ranking above 40% of the US, with a 0.08% annual chance of 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.
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 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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