112 S Oak St, Waco, TX 76705 Property Records

McLennan County property record for 112 S Oak St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,640 sqft · built 1978
Lot Size	0.186 acres (8,088 sqft)
Owner	Individual Name on Record
Last Sale	$65,900 (Mar 2015)
Tax Bill	$2,788 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`20-032600-003300-1`

Property Details

APN / Parcel Number

Primary APN	`20-032600-003300-1`
Alternative APNs	`2003260000330010111` `114559`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	1,910 sqft
1st Floor Area	1,640 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,088 sqft (0.186 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	270 sqft
Driveway	Concrete Driveway
Driveway Area	150 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Patio Area	140 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	112 S OAK ST
City	WACO
State	TX
Zip	76705-1857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MASSIER LOT 25 BLOCK 2 ACRES .1857
Legal Subdivision	MASSIER
Legal Block	2
Legal Lot Number	25
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1009
Census Tract	1600

Owner

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

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	112 S OAK ST, WACO, TX 76705-1857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Vendor's Lien, Transfer ALLIANCE BANK
Apr 1, 2020	Loan Modification, Mortgage ALLIANCE BK CTRL TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2015 · Amount on Record
Deed Sale	Mar 16, 2015 · Amount on Record
Deed Document Number	20157561
Last Transfer Date	Apr 14, 2023
Transfer Doc	0000010607
Record Updated	Oct 29, 2026

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Apr 17, 2023
Property Address	112 S OAK ST, WACO, TX 76705-1857
Document Number	0000010607
Map Reference	VOL 899 PG 43
Instrument Date	Apr 12, 2023
Instrument	2023010607
Transaction Type	Transfer
Record Updated	May 5, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 LOPEZ ST, WACO, TX 76705-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 S OAK ST, WACO, TX 76705-1857

Mortgage

Date	Apr 17, 2023

Lender

Name	ALLIANCE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	112 S OAK ST, WACO, TX 76705-1857
Document Number	0000010778
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	112 OAK DR LACY LAKEVIEW TX 76705, LACY LAKEVIEW, TX 76705

Mortgage

Document Number	0000010778
Date	Apr 1, 2020
Instrument	10778

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76714

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 31, 2025

Tax Assessment & Valuation

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		$232,271 (+4.05%) Land $17,794 Building $214,477	$232,271 (+4.05%) Land $17,794 Building $214,477
2025	$2,788.00 (-28.91%) Homeowner's exemption	$223,230 (+7.53%) Land $16,180 Building $207,050	$223,230 (+7.53%) Land $16,180 Building $207,050
2024	$3,922.00 (+6.75%)
2023		$207,600 Land $16,180 Building $191,420	$207,600 Land $16,180 Building $191,420
2022	$3,674.00

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
Flood Insurance Cost	Premium on Record 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

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.

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 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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