McLennan County property record for 12599 Chapel Rd, Lorena, TX 76655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,448 sqft · built 2018 |
| Lot Size | 6.38 acres (278,348 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,930 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-231211-000300-0 |
| Primary APN | 30-231211-000300-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,448 sqft Living Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 2,448 sqft |
| Flooring | Carpet |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 278,348 sqft |
| Lot Dimensions | 2,536 ft deep x 577 ft wide |
| Garage Type | Attached |
| Garage Area | 872 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,036 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 1,002 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12599 CHAPEL RD |
|---|---|
| City | LORENA |
| State | TX |
| Zip | 76655-3018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOBBS LANE ADDITION LOT 1 BLOCK 2 ACRES 6.39 |
| Legal Subdivision | HOBBS LANE ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 3708 |
12599 Chapel Rd is owned and occupied by two individuals who acquired it in February 2018.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12595 CHAPEL RD, LORENA, TX 76655-3018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 4, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2018 |
| Deed Sale | Feb 6, 2018 |
| Deed Document Number | 20183773 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 12599 CHAPEL RD, LORENA, TX 76655-3018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013727 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 2020013727 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Sep 4, 2020 |
| Property Address | 12599 CHAPEL RD, LORENA, TX 76655-3018 |
| Document Number | 0000031226 |
| Instrument Date | Sep 2, 2020 |
| Instrument | 31226 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1728 WACO TX 767031728, WACO, TX 76703-1728 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Lorena Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $639,487 (+25.66%) | $650,619 (+20.76%) Land $90,521 Building $560,098 | |
| 2025 | $508,922 | $538,760 Land $66,130 Building $472,630 | |
| 2024 | $4,930.00 | ||
| 2023 | $560,380 Land $66,130 Building $494,250 | $560,380 Land $66,130 Building $494,250 | |
| 2022 | $4,481.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12599 Chapel Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 4 (1997–2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Mar 2012 · 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 risk around 12599 Chapel Rd is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 45% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 11 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 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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