12040 Ledge Stone Dr, Mc Gregor, TX 76657 Property Records

McLennan County property record for 12040 Ledge Stone Dr, Mc Gregor, TX 76657

Property Summary

Property Type	Single Family Home
Details	5 bd · 7.5 ba · 8,339 sqft · built 2017
Lot Size	3.27 acres (142,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$206,100 (Mar 2015)
Tax Bill	$31,512 (2025)
Deeds & Mortgages	Dec 2019 Loan Modification Oct 2019 Loan Modification + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36-227614-001237-0`

Property Details

APN / Parcel Number

Primary APN	`36-227614-001237-0`
Alternative APN	`373060`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	22 Rooms
Stories	1 Story
Building Area	8,339 sqft Living Area
Gross Area	9,973 sqft
1st Floor Area	8,339 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	142,485 sqft
Lot Dimensions	334 ft deep x 443 ft wide
Garage Type	Attached
Garage Area	1,635 sqft
Driveway	Concrete Driveway
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	650 sqft
Porch	Open Porch
Porch Area	1,661 sqft
Patio Area	400 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12040 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 37 BLOCK 12 ACRES 3.271
Legal Subdivision	HIDDEN VALLEY ADDITION PART FOURTEEN
Legal Block	12
Legal Lot Number	37
Jurisdiction	MCLENNAN TX
Township / Civil Division	MCGREGOR
Census Block Group	4
Census Block	4001
Census Tract	3902

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	12040 LEDGE STONE DR, MCGREGOR, TX 76657-4188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2019	Loan Modification, Mortgage ALLIANCE BK CTRL TX
Oct 4, 2019	Loan Modification, Mortgage · Line of Credit ALLIANCE BK CTRL TX
Aug 30, 2019	Loan Modification, Mortgage · Line of Credit ALLIANCE BK CTRL TX
Jun 24, 2019	Loan Modification, Mortgage · Line of Credit ALLIANCE BK CTRL TX
Nov 24, 2018	Loan Modification, Mortgage · Line of Credit ALLIANCE BK CTRL TX
May 24, 2017	Trustee's Deed, Construction Loan · Construction Mortgage ALLIANCE BK CTRL TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2015 · Amount on Record
Deed Sale	Mar 27, 2015 · Amount on Record
Deed Document Number	20158801
Record Updated	Oct 29, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12040 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000041226
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12040 LEDGE STONE DR MC GREGOR TX 766574188, MC GREGOR, TX 76657-4188

Mortgage

Document Number	0000041226
Date	Dec 13, 2019
Instrument	41226

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Dec 12, 2024

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12040 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000033868
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4051 CASCADE TRL MC GREGOR TX 766574099, MC GREGOR, TX 76657-4099

Mortgage

Document Number	0000033868
Date	Oct 8, 2019
Instrument	33868

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12040 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000029466
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4051 CASCADE TRL MC GREGOR TX 766574099, MC GREGOR, TX 76657-4099

Mortgage

Document Number	0000029466
Date	Sep 3, 2019
Instrument	29466

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12040 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000020873
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4051 CASCADE TRL MC GREGOR TX 766574099, MC GREGOR, TX 76657-4099

Mortgage

Document Number	0000020873
Date	Jun 25, 2019
Instrument	20873

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	12040 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Document Number	0000041308
Instrument Date	Nov 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4051 CASCADE TRL MC GREGOR TX 766574099, MC GREGOR, TX 76657-4099

Mortgage

Document Number	0000041308
Date	Nov 29, 2018
Instrument	41308

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 28, 2019

Interest

Rate Type	Adjustable Rate

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 24, 2017
Property Address	12040 LEDGE STONE DR, MC GREGOR, TX 76657-4188
Instrument Date	May 24, 2017
Instrument	16588
Transaction Type	Construction Loan
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4051 CASCADE TRL MC GREGOR TX 766574099, MC GREGOR, TX 76657-4099

Mortgage

Document Number	0000016588
Date	May 24, 2017
Instrument	16588

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 23, 2018

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	Midway Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,543,500 (-7.58%) Land $302,068 Building $1,241,432	$1,543,500 (-7.58%) Land $302,068 Building $1,241,432
2025	$31,512.00 (-5.23%) Homeowner's exemption	$1,670,055 (-4.57%) Land $275,000 Building $1,395,055	$1,670,055 (-4.57%) Land $275,000 Building $1,395,055
2024	$33,250.00 (-0.39%)
2023		$1,750,000 Land $239,370 Building $1,510,630	$1,750,000 Land $239,370 Building $1,510,630
2022	$33,381.00

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 A, within 500 ft
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

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 31 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 / 35

May also be available: Nextlink.

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