1120 Spring St, Waco, TX 76704 Property Records

McLennan County property record for 1120 Spring St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,112 sqft · built 2002
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Tax Bill	$925 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Sep 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-025700-030400-3`

Property Details

APN / Parcel Number

Primary APN	`48-025700-030400-3`
Alternative APNs	`4802570003040030101` `179156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,112 sqft Living Area
Gross Area	1,385 sqft
1st Floor Area	1,112 sqft
Flooring	Carpet

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	273 sqft
Driveway	Concrete Driveway
Driveway Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	123 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1120 SPRING ST
City	WACO
State	TX
Zip	76704-2947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	KIRKPATRICK LOT 7A BLOCK 53 ACRES .1894
Legal Subdivision	KIRKPATRICK
Legal Block	53
Legal Lot Number	7A
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3059
Census Tract	1500

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	1120 SPRING ST, WACO, TX 76704-2947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Sep 5, 2019	Loan Modification, Mortgage STRUCTURED AS TR 2005-RF6 (CT)
Mar 9, 2017	Loan Modification, Mortgage US BANK NA TRUST 2005-RF6 (CE)

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Oct 8, 2026
Property Address	1120 SPRING ST, WACO, TX 76704-2947
Document Number	0000032571
Instrument Date	Sep 10, 2026
Instrument	202632571
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 SPRING ST, WACO, TX 76704-2947

Mortgage

Document Number	0000032571,
Date	Oct 8, 2026
Instrument	202632571

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Oct 1, 2049

Interest

Max Rate	-1%

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1120 SPRING ST, WACO, TX 76704-2947
Document Number	0000034090
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 SPRING ST WACO TX 767042947, WACO, TX 76704-2947

Mortgage

Document Number	0000034090
Date	Oct 10, 2019
Instrument	34090

Lender

Name	STRUCTURED AS TR 2005-RF6 (CT)
Address	SAINT PAUL, MN 55107

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2049

Interest

Rate	4.37%

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1120 SPRING ST, WACO, TX 76704-2947
Document Number	0000011491
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 SPRING ST WACO TX 767042947, WACO, TX 76704-2947

Mortgage

Document Number	0000011491
Date	Apr 13, 2017
Instrument	11491

Lender

Name	US BANK NA TRUST 2005-RF6 (CE)
Address	SAINT PAUL, MN 55107

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$167,413 (+1%)	$222,594 (+8.53%) Land $22,674 Building $199,920
2025	$925.00 (+24.5%) Homeowner's exemption Senior Citizen's exemption	$152,194 (-17.59%) Land $20,630 Building $184,470	$205,100 (+11.05%) Land $20,630 Building $184,470
2024	$743.00 (+16.28%)
2023		$184,690 Land $20,630 Building $164,060	$184,690 Land $20,630 Building $164,060
2022	$639.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force

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 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.01% 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 WACO serves 146,241 people · EPA ID TX1550008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable	1,000 / 1,000
AT&T Fiber	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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