12031 Ledge Stone Dr, Mc Gregor, TX 76657 Property Records

McLennan County property record for 12031 Ledge Stone Dr, Mc Gregor, TX 76657

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 4,785 sqft · built 2020
Lot Size	0.889 acres (38,768 sqft)
Owner	Individual Name on File
Tax Bill	$18,463 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Nov 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`362276140012290`

Property Details

APN / Parcel Number

Primary APN	`362276140012290`
Alternative APN	`370620`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,785 sqft Living Area
1st Floor Area	3,156 sqft
2nd Floor Area	1,629 sqft
Flooring	Vinyl/Resilient
Fireplace	Fireplace
Security Alarm	Security Alarm

Exterior

Year Built	Built 2020
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.889 acres)
Lot Dimensions	186 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Patio Area	600 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	370620
Street Address	12031 LEDGE STONE DR
City	MCGREGOR
State	TX
Zip	76657-4188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN VALLEY ADDITION PART FOURTEEN LOT 29 BLOCK 12 ACRES .89
Legal Subdivision	HIDDEN VALLEY ADDITION PART FOURTEEN
Legal Block	12
Legal Lot Number	29
Jurisdiction	MCLENNAN TX
Township / Civil Division	MCGREGOR
Census Block Group	4
Census Block	4001
Census Tract	3902

Owner

Source: McLennan County assessment roll, as of August 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	12031 LEDGE STONE DR, MCGREGOR, TX 76657-4188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENT BANK
Nov 5, 2021	Vendor's Lien, Subdivision Related Transfer · Stand-Alone First Mortgage COMMUNITY BANK & TRUST
Dec 12, 2019	Loan Modification, Mortgage INDEPENDENT BK
Jul 14, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Jan 4, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Jul 14, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK
Oct 14, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK
Apr 14, 2016	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 5, 2021
Deed Sale	Nov 5, 2021
Prior Sale	Apr 14, 2016
Deed Document Number	2021045303
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041197
Date	Dec 13, 2019
Instrument	2019041197

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	WACO, TX 76702

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Nov 5, 2021
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000045303
Map Reference	DOC 2014019356
Instrument Date	Nov 5, 2021
Instrument	2021045303
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188

Mortgage

Document Number	0000045304
Date	Nov 5, 2021
Instrument	2021045304

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000045529
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	213 OLD HEWITT RD WACO TX 767126560, WACO, TX 76712-6560

Mortgage

Document Number	0000045529
Date	Dec 22, 2020
Instrument	45529

Lender

Name	INDEPENDENT BK
Type	Bank
Address	WACO, TX 76702

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Dec 21, 2021

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000031644
Instrument Date	Jul 14, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12031 LEDGE STONE DR MC GREGOR TX 766574188, MC GREGOR, TX 76657-4188

Mortgage

Document Number	0000031644
Date	Sep 20, 2019
Instrument	31644

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Term	12 Months
Due	Sep 19, 2020

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000013116
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12031 LEDGE STONE DR MC GREGOR TX 766574188, MC GREGOR, TX 76657-4188

Mortgage

Document Number	0000013116
Date	Apr 22, 2019
Instrument	13116

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Term	12 Months
Due	Apr 21, 2020

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000041058
Instrument Date	Jul 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12031 LEDGE STONE DR MC GREGOR TX 766574188, MC GREGOR, TX 76657-4188

Mortgage

Document Number	0000041058
Date	Nov 27, 2018
Instrument	41058

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Term	12 Months
Due	Nov 26, 2019

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000007554
Instrument Date	Oct 14, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12031 LEDGE STONE DR MC GREGOR TX 766574188, MC GREGOR, TX 76657-4188

Mortgage

Document Number	0000007554
Date	Mar 9, 2018
Instrument	7554

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Term	12 Months
Due	Mar 8, 2019

April 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12031 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000018421
Instrument Date	Apr 14, 2016
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12031 LEDGESTONE DR MCGREGOR TX 76657, MCGREGOR, TX 76657

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,000,000 (-17.56%) Land $141,510 Building $858,490	$1,000,000 (-17.56%) Land $141,510 Building $858,490
2024	$18,463.00 (-16.69%)
2023		$1,212,960 Land $141,510 Building $1,071,450	$1,212,960 Land $141,510 Building $1,071,450
2022	$22,161.00

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	5 in force
Nearby Flood Claims	2 (2023–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2024 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 49% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Radiate Holdings Cable	1,500 / 50
Spectrum Cable	1,000 / 35

May also be available: AMG Technology Investment Group.

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