1113 Clover St, Waco, TX 76705 Property Records

McLennan County property record for 1113 Clover St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,128 sqft · built 1962
Lot Size	0.43 acres (18,748 sqft)
Owner	Individual Name on Record
Tax Bill	$750 (2024)
Deeds & Mortgages	Oct 2018 Reverse Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`280105000008002`

Property Details

APN / Parcel Number

Primary APN	`280105000008002`
Alternative APNs	`2801050000080020111` `122399`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	1,452 sqft
1st Floor Area	1,128 sqft
Flooring	Carpet

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	18,748 sqft (0.43 acres)
Lot Dimensions	250 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	324 sqft
Driveway	Driveway
Driveway Area	770 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Patio Area	72 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	122399
Old Parcel Number	2801050000080020111
Street Address	1113 CLOVER ST
City	WACO
State	TX
Zip	76705-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CLOVER ADDN LOT 8 BLOCK 1 ACRES .4304
Legal Subdivision	CLOVER ADDN
Legal Block	1
Legal Lot Number	8
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2003
Census Tract	1700

Owner

Source: McLennan County records, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1113 CLOVER ST, WACO, TX 76705-2251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Oct 11, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1113 CLOVER ST, WACO, TX 76705-2251
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036664
Date	Oct 17, 2018
Instrument	2018036664

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Nov 1, 2019
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1113 CLOVER ST, WACO, TX 76705-2251
Document Number	0000036665
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1113 CLOVER ST WACO TX 767052251, WACO, TX 76705-2251

Mortgage

Document Number	0000036665
Date	Oct 17, 2018
Instrument	36665

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.7%

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

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
2025		$145,704 (-25.42%) Land $40,500 Building $127,440	$167,940 (-14.04%) Land $40,500 Building $127,440
2024	$750.00 (+23.76%)
2023		$195,370 Land $40,500 Building $154,870	$195,370 Land $40,500 Building $154,870
2022	$606.00

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

Flood

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	1 in force
Nearby Flood Claims	3 (1989–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2018 · 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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 305 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
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

Nearby Properties on Clover St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures