123 Spring Creek St, Waco, TX 76705 Property Records

McLennan County property record for 123 Spring Creek St, Waco, TX 76705

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,120 sqft · built 2000
Lot Size	15.7 acres (685,634 sqft)
Owner	Company Name on File
Tax Bill	$3,172 (2025)
Deeds & Mortgages	Sep 2020 Loan Modification Aug 2018 Loan Modification + 2 more
Flood Zone	Zone A (high risk)
APN	`20-032400-001900-0`

Property Details

APN / Parcel Number

Primary APN	`20-032400-001900-0`
Alternative APNs	`2003240000190000101` `114430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	1,200 sqft
2nd Floor Area	920 sqft
Flooring	Wood

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Material	Metal
Lot Area	685,634 sqft
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	123 SPRING CREEK ST
City	WACO
State	TX
Zip	76705-1030
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R
Legal Description	EATON A P ACRES 15.74
Legal Subdivision	EATON A P
Legal Tract	1B
Legal Block	2
Legal Lot Number	1B
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3004
Census Tract	3200

Owner

123 Spring Creek St, a rural home, is owned by a company.

Source: McLennan County records, as of August 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	3662 PATTON LAKE RD, AQUILLA, TX 76622-2590
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Aug 4, 2018	Loan Modification, Mortgage NOT AVAILABLE
Aug 22, 2017	Deed of Trust, Mortgage CENTRAL NAT'L BK
Aug 4, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	123 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000034287
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123 SPRING CREEK ST WACO TX 767051030, WACO, TX 76705-1030

Mortgage

Document Number	0000034287
Date	Sep 28, 2020
Instrument	34287

Lender

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

Agreement

Term	36 Months
Due	Sep 27, 2023

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	123 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000041055
Instrument Date	Aug 4, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123 SPRING CREEK ST WACO TX 767051030, WACO, TX 76705-1030

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	123 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000029714
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123 SPRING CRK WACO TX 76701, WACO, TX 76701

Mortgage

Document Number	0000029714
Date	Sep 11, 2017
Instrument	29714

Lender

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

Agreement

Amount	Amount on Record

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	123 SPRING CREEK ST, WACO, TX 76705-1030
Document Number	0000033696
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3525 STURGIS LN WACO TX 767081752, WACO, TX 76708-1752

Mortgage

Document Number	0000033696
Date	Oct 10, 2017
Instrument	33696

Lender

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

Agreement

Term	12 Months
Due	Oct 9, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 123 Spring Creek St was $3,172, up 10.8% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,280 (-) Land $13,380 Building $151,900	$345,000 (-) Land $193,100 Building $151,900
2025	$3,172.00 (+10.79%)	$165,280 Land $13,380 Building $151,900	$345,000 Land $193,100 Building $151,900
2024	$2,863.00
2023		$150,350 Land $13,450 Building $136,900	$330,000 Land $193,100 Building $136,900
2022	$2,661.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 123 Spring Creek St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1995–2004)
Most Recent Claim	May 2004 · 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

Wildfire risk around 123 Spring Creek St is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 70% 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 LACY LAKEVIEW serves 7,275 people · EPA ID TX1550033
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband, T-Mobile.

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