McLennan County property record for 121 Waters St, Waco, TX 76704
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,389 sqft · built 1963 |
| Lot Size | 0.269 acres (11,700 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $123,800 (Aug 2021) |
| Tax Bill | $891 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 48-035203-000800-8 |
| Primary APN | 48-035203-000800-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,389 sqft Living Area |
| Gross Area | 2,219 sqft |
| 1st Floor Area | 1,389 sqft |
| Flooring | Tile |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,700 sqft (0.269 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 530 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 324 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 463 sqft |
| Patio Area | 240 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 121 WATERS ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76704-1449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | RIVER OAKS NO 3 LOT 1 BLOCK D ACRES .2686 |
| Legal Subdivision | RIVER OAKS NO 3 |
| Legal Block | D |
| Legal Lot Number | 1 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 1401 |
Source: McLennan County records, as of June 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 121 WATERS ST, WACO, TX 76704-1449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA |
| Aug 20, 2021 | Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Prior Sale | Aug 12, 2011 |
| Deed Document Number | 202133544 |
| Prior Transfer Date | Aug 13, 2021 |
| Prior Transfer Doc | 0000033544 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 1, 2026 |
| Property Address | 121 WATERS ST, WACO, TX 76704-1449 |
| Document Number | 0000017224 |
| Instrument Date | May 23, 2026 |
| Instrument | 202617224 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 121 WATERS ST, WACO, TX 76704-1449 |
| Document Number | 0000017224, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 202617224 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 23, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Aug 20, 2021 |
| Property Address | 121 WATERS ST, WACO, TX 76704-1449 |
| Document Number | 0000033544 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2021033544 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 121 WATERS ST, WACO, TX 76704-1449 |
| Document Number | 0000033545 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 2021033545 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: McLennan County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $891.00 (+3.13%) Homeowner's exemption Senior Citizen's exemption | $143,000 (+1%) | $167,000 (+28.46%) Land $16,380 Building $150,620 |
| 2024 | $864.00 (-0.35%) | ||
| 2023 | $130,000 Land $14,270 Building $115,730 | $130,000 Land $14,270 Building $115,730 | |
| 2022 | $867.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 41 policies |
| Nearby Flood Policies | 41 in force |
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 98% of the US · lower than 98.8% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 364 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Central Link Broadband, Nextlink.
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