1105 Somerset St, Waco, TX 76705 Property Records

McLennan County property record for 1105 Somerset St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,368 sqft · built 1956
Lot Size	0.469 acres (20,440 sqft)
Owner	Individual Name on File
Last Sale	$162,372 (Apr 2025)
Tax Bill	$797 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-037000-032800-3`

Property Details

APN / Parcel Number

Primary APN	`28-037000-032800-3`
Alternative APNs	`2803700003280030111` `125444`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1968
Exterior Material	Asbestos
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	20,440 sqft (0.469 acres)
Lot Dimensions	140 ft deep x 146 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	88 sqft
Patio Area	120 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1105 SOMERSET ST
City	WACO
State	TX
Zip	76705-2857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Description	OAKLAWN TERRACE LOT 11- 13 BLOCK 27 ACRES .4692
Legal Subdivision	OAKLAWN TERRACE
Legal Block	27
Legal Lot Number	11-13
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	5
Census Block	5035
Census Tract	1600

Owner

1105 Somerset St is owned and occupied by an individual who bought it in April 2025.

Source: McLennan County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1105 SOMERSET ST, WACO, TX 76705-2857
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Aug 13, 2026	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING
Apr 21, 2025	Vendor's Lien, Transfer · FHA Mortgage SOUTHWEST FUNDING LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2025 · Amount on File
Deed Sale	Apr 21, 2025 · Amount on File
Deed Document Number	202511540
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Aug 13, 2026
Property Address	1105 SOMERSET ST, WACO, TX 76705-2857
Document Number	0000026004
Instrument Date	Apr 22, 2026
Instrument	202626004
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 SOMERSET ST, WACO, TX 76705-2857

Mortgage

Document Number	0000026004,
Date	Aug 13, 2026
Instrument	202626004

Lender

Name	PLANET HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

April 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Apr 21, 2025
Property Address	1105 SOMERSET ST, WACO, TX 76705-2857
Document Number	0000011540
Map Reference	VOL 254 PG 512
Instrument Date	Apr 17, 2025
Instrument	2025011540
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 SOMERSET ST, WACO, TX 76705-2857

Mortgage

Document Number	0000011541
Date	Apr 21, 2025
Instrument	2025011541

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1105 Somerset St was $797, up 28.8% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bellmead City
County	McLennan County
Unified School District	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,249 (+38.37%) Land $13,082 Building $163,167	$176,249 (+8.64%) Land $13,082 Building $163,167
2025	$797.00 (+28.76%) Homeowner's exemption Disabled Person's exemption	$127,378 Land $11,860 Building $150,370	$162,230 Land $11,860 Building $150,370
2024	$619.00
2023		$174,290 Land $11,860 Building $162,430	$174,290 Land $11,860 Building $162,430
2022	$532.00

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

Flood

FEMA maps place 1105 Somerset 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And 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

Wildfire risk around 1105 Somerset 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 BELLMEAD serves 10,664 people · EPA ID TX1550001
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: AT&T, T-Mobile, Verizon.

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