McLennan County property record for 115 River Ridge Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,960 sqft · built 2019 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $391,200 (Aug 2020) |
| Tax Bill | $2,860 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-021103-000204-0 |
| Primary APN | 20-021103-000204-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| Gross Area | 2,752 sqft |
| 1st Floor Area | 1,960 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 235 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 115 RIVER RIDGE DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFFS ON THE BRAZOS ADDITION LOT 4 BLOCK 2 ACRES .5 |
| Legal Subdivision | BLUFFS ON THE BRAZOS ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 3402 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 115 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2020 | Deed of Trust, Mortgage EQUITY PRIME MTG |
| Aug 30, 2019 | Deed of Trust, Mortgage INCOMMONS BK NA |
| Mar 18, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2020 · Amount on Record |
| Deed Sale | Aug 10, 2020 · Amount on Record |
| Prior Sale | Mar 18, 2019 |
| Deed Document Number | 202027480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 115 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000027336 |
| Instrument Date | Aug 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2020 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 115 RIVER RIDGE DR WACO TX 767051781, WACO, TX 76705-1781 |
| Document Number | 0000027336 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 27336 |
| Name | EQUITY PRIME MTG |
|---|---|
| Address | ATLANTA, GA 30328 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 115 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000030023 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | FIRST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1744 DESIREE ST CANYON LAKE TX 781331999, CANYON LAKE, TX 78133-1999 |
| Document Number | 0000030023 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 30023 |
| Name | INCOMMONS BK NA |
|---|---|
| Type | Bank |
| Address | MEXIA, TX 76667 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Mar 18, 2019 |
| Property Address | 115 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000009063 |
| Instrument Date | Mar 14, 2019 |
| Instrument | 9063 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1744 DESIREE ST CANYON LAKE TX 781331999, CANYON LAKE, TX 78133-1999 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Connally Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,390 (-3.85%) Land $43,560 Building $264,830 | $308,390 (-3.85%) Land $43,560 Building $264,830 | |
| 2025 | $2,860.00 (-15.56%) Homeowner's exemption | $320,740 (+1.24%) Land $39,640 Building $281,100 | $320,740 (+1.24%) Land $39,640 Building $281,100 |
| 2024 | $3,387.00 (+8.31%) | ||
| 2023 | $316,810 Land $39,640 Building $277,170 | $316,810 Land $39,640 Building $277,170 | |
| 2022 | $3,127.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015) |
| Most Recent Claim | Oct 2015 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 87% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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