McLennan County property record for 123 Tom McCartney Ln, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,014 sqft · built 1979 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,616 (Jun 2022) |
| Tax Bill | $1,931 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-028300-004300-7 |
| Primary APN | 24-028300-004300-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,014 sqft Living Area |
| 1st Floor Area | 2,014 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 31,363 sqft (0.72 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 91 sqft |
| Gazebo | 150 sqft |
| Greenhouse | 112 sqft |
| Storage Building | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 123 TOM MCCARTNEY LN |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-5632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | DEES NALCISSO ACRES .72 |
| Legal Subdivision | DEES NALCISSO |
| Legal Tract | 20V1 |
| Legal Lot Number | 20V1 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WEST |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 4202 |
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 | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 30, 2023 | Correction Deed INDEPENDENCE TITLE |
| Feb 16, 2023 | Vendor's Lien, Transfer VANDERBILT MORTGAGE & FINANCE INC |
| Jun 8, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2022 · Amount on Record |
| Deed Sale | Jun 8, 2022 · Amount on Record |
| Prior Sale | Mar 28, 2012 · Amount on Record |
| Deed Document Number | 202222972 |
| Prior Transfer Date | May 24, 2022 |
| Prior Transfer Doc | 0000022972 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Document Number | 0000008451 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026008451 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Mar 30, 2023 |
| Property Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Document Number | 0000008780 |
| Instrument Date | Mar 28, 2023 |
| Instrument | 2023008780 |
| Record Updated | Oct 20, 2025 |
| Title Company | INDEPENDENCE TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Feb 16, 2023 |
| Property Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Document Number | 0000004318 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 2023004318 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | INDEPENDENCE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12311 GHOLSON RD, WACO, TX 76705-5608 |
| Name | Verified Name |
|---|---|
| Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Date | Feb 16, 2023 |
|---|
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 8, 2022 |
| Property Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Document Number | 0000022972 |
| Instrument Date | May 24, 2022 |
| Instrument | 2022022972 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Document Number | 0000022973 |
|---|---|
| Date | Jun 8, 2022 |
| Instrument | 2022022973 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Gholson City |
| County | McLennan County |
| Unified School District | Gholson Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $290,313 (+1%) | $328,309 (+0.33%) Land $24,365 Building $303,944 | |
| 2025 | $1,931.00 (+8.12%) Homeowner's exemption | $263,921 (-7.53%) | $327,240 (+14.66%) Land $20,800 Building $306,440 |
| 2024 | $1,786.00 (+14.78%) | ||
| 2023 | $285,400 Land $20,800 Building $264,600 | $285,400 Land $20,800 Building $264,600 | |
| 2022 | $1,556.00 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2007) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jul 2007 · Severe Storms, Tornadoes, And Flooding |
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 | Moderate above 68% of the US · above 57% of Texas |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | GHOLSON WSC serves 3,903 people · EPA ID TX1550028 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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