118 Ruth Dr, Robinson (Waco), TX 76706 Property Records

McLennan County property record for 118 Ruth Dr, Robinson, TX 76706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,911 sqft · built 2013
Lot Size	5.16 acres (224,770 sqft)
Owner	2 Individual Names on Record
Last Sale	$616,056 (Sep 2025)
Tax Bill	$7,190 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`44-003200-048500-0`

Property Details

APN / Parcel Number

Primary APN	`44-003200-048500-0`
Alternative APNs	`4400320004850000101` `158433`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,911 sqft Living Area
1st Floor Area	1,431 sqft
2nd Floor Area	480 sqft
Flooring	Carpet

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	224,770 sqft
Lot Dimensions	357 ft deep x 664 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	224 sqft
Patio Area	216 sqft
Shed	1 Shed
Shed Area	128 sqft
Canopy	480 sqft
Utility Building	1,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	118 RUTH DR
City	ROBINSON
State	TX
Zip	76706-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OCAMPO C TRACT 40 ACRES 5.16
Legal Subdivision	OCAMPO C
Legal Tract	40
Legal Lot Number	40
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2001
Census Tract	2000

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	2 Individual Names on Record
Mailing Address	7326 LA COSA DR, DALLAS, TX 75248-5227
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Apr 27, 2020	Loan Modification, Mortgage POINT W BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Deed Document Number	202528367
Prior Transfer Date	Feb 14, 2012
Prior Transfer Doc	0000004904
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	118 RUTH DR, ROBINSON, TX 76706-5428
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7326 LA COSA DR, DALLAS, TX 75248-5227

Mortgage

Document Number	0000028368
Date	Sep 16, 2025
Instrument	2025028368

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	118 RUTH DR, ROBINSON, TX 76706-5428
Document Number	0000015147
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20063 WACO TX 767020063, WACO, TX 76702-0063

Mortgage

Document Number	0000015147
Date	May 12, 2020
Instrument	15147

Lender

Name	POINT W BK
Type	Bank
Address	WACO, TX 76708-6141

Agreement

Amount	Amount Recorded
Term	84 Months
Due	May 11, 2027

Interest

Rate	3.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$457,000 (-2.01%) Land $92,087 Building $364,913	$457,000 (-5.95%) Land $92,087 Building $364,913
2025	$7,190.00 (+43.8%) Homeowner's exemption	$466,351 (+10.6%)	$485,900 (+15.24%) Land $76,380 Building $409,520
2024	$5,000.00 (+13.15%)
2023		$421,640 Land $76,380 Building $345,260	$421,640 Land $76,380 Building $345,260
2022	$4,419.00

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	7 in force
Nearby Flood Claims	71 (1984–2026)
Claims Outside the SFHA	20 of 71
Most Recent Claim	Jun 2026 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 4 claims Severe Storms, Tornadoes, And Flooding, Jul 2007 · 3 claims

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	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% 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 ROBINSON serves 11,900 people · EPA ID TX1550010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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