McLennan County property record for 115 S Oak St, Waco, TX 76705 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,630 sqft · built 1978 |
| Lot Size | 0.445 acres (19,384 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,300 (May 2019) |
| Tax Bill | $1,935 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-032600-001000-3 |
| Primary APN | 20-032600-001000-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,630 sqft Living Area |
| 1st Floor Area | 1,630 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 19,384 sqft (0.445 acres) |
| Lot Dimensions | 135 ft deep x 83 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 1,040 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 64 sqft |
| Patio Area | 120 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 115 S OAK ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MASSIER LOT 17 B BLOCK 1 8 ACRES .445 |
| Legal Subdivision | MASSIER |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 1600 |
Source: McLennan County records · APN 20-032600-001000-3
Assessment roll updated September 9, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 115 S OAK ST, WACO, TX 76705-1856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 22, 2019 | Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2019 · Amount on Record |
| Deed Sale | May 22, 2019 · Amount on Record |
| Prior Sale | Jul 27, 2011 · Amount on Record |
| Deed Document Number | 201916852 |
| Prior Transfer Date | May 21, 2019 |
| Prior Transfer Doc | 0000016852 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 115 S OAK ST, WACO, TX 76705-1856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000045160 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 2020045160 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Aug 01, 2049 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 22, 2019 |
| Property Address | 115 S OAK ST, WACO, TX 76705-1856 |
| Document Number | 0000016852 |
| Map Reference | VOL 1297 PG 425 |
| Instrument Date | May 21, 2019 |
| Instrument | 2019016852 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 S OAK ST, WACO, TX 76705-1856 |
| Document Number | 0000016853 |
|---|---|
| Date | May 22, 2019 |
| Instrument | 2019016853 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: McLennan County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Lacy-Lakeview City |
| Unified School District | Connally Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $177,949 (-28.4%) | $266,610 (+7.27%) Land $23,270 Building $243,340 | |
| 2024 | $1,935.00 (+38.81%) | ||
| 2023 | $248,530 Land $23,270 Building $225,260 | $248,530 Land $23,270 Building $225,260 | |
| 2022 | $1,394.00 |
Source: FEMA National Flood Hazard Layer, McLennan County (48309C), updated June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 483090016001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 2 (1979–1989) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1989, rainfall accumulation, Severe Storms, Tornadoes & Flooding |
| Wildfire Risk | Low above 35% of the US · above 11% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 3,448 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 351 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Radiate Holdings | Cable | 1,500 / 50 |
| Spectrum | Cable | 1,000 / 1,000 |
| AMG Technology Investment Group | Fixed Wireless | 500 / 100 |
| Helmsco | Fixed Wireless (unlicensed) | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T, Verizon, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures