122 S Oak St, Waco, TX 76705 Property Records

McLennan County property record for 122 S Oak St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,406 sqft · built 1978
Lot Size	0.186 acres (8,088 sqft)
Owner	2 Individual Names on File
Last Sale	$40,307 (May 2013)
Tax Bill	$1,866 (2024)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-032600-002800-9`

Property Details

APN / Parcel Number

Primary APN	`20-032600-002800-9`
Alternative APNs	`2003260000280090111` `114554`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,406 sqft Living Area
1st Floor Area	1,406 sqft
Flooring	Carpet

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,088 sqft (0.186 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Driveway	Concrete Driveway
Driveway Area	140 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Patio Area	144 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	122 S OAK ST
City	WACO
State	TX
Zip	76705-1857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MASSIER LOT 20 BLOCK 2 ACRES .1857
Legal Subdivision	MASSIER
Legal Block	2
Legal Lot Number	20
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1009
Census Tract	1600

Owner

Source: McLennan County records · APN 20-032600-002800-9

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	619 MADISON CIR, HEWITT, TX 76643-3588
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 07, 2013 · Amount on Record
Deed Sale	May 07, 2013 · Amount on Record
Prior Sale	Mar 28, 2005 · Amount on Record
Deed Document Number	201314820
Prior Transfer Date	Feb 28, 2005
Prior Transfer Doc	0000011625
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Feb 07, 2020
Property Address	122 S OAK ST, WACO, TX 76705-1857
Document Number	0000004304
Instrument Date	Feb 06, 2020
Instrument	4304
Transaction Type	Transfer
Record Updated	Mar 02, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 MADISON CIR HEWITT TX 766433588, HEWITT, TX 76643-3588

Mortgage

Document Number	4305
Date	Feb 07, 2020
Instrument	4305

Lender

Name	INDEPENDENT BK
Type	Bank
Address	WACO, TX 76702

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$78,000 (-29.03%) Land $16,180 Building $61,820	$78,000 (-29.03%) Land $16,180 Building $61,820
2024	$1,866.00 (-4.06%)
2023		$109,900 Land $16,180 Building $93,720	$109,900 Land $16,180 Building $93,720
2022	$1,945.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 9, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (1979–1989)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 1989 · Severe Storms, Tornadoes & Flooding

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	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	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 351 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF LACY LAKEVIEW serves 7,275 people
Water Source	Purchased surface water from CITY OF WACO
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.