12647 Chapel Rd, Lorena, TX 76655 Property Records

McLennan County property record for 12647 Chapel Rd, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1978
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,096 (Sep 2025)
Tax Bill	$1,504 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2020 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`30-088400-002204-0`

Property Details

APN / Parcel Number

Primary APN	`30-088400-002204-0`
Alternative APNs	`3008840000220400111` `131214`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	45,738 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	584 sqft
Patio Area	96 sqft
Utility Building	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12647 CHAPEL RD
City	LORENA
State	TX
Zip	76655-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WINFREY A B J ACRES 1.05
Legal Subdivision	WINFREY A B J
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2028
Census Tract	3708

Owner

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	12647 CHAPEL RD, LORENA, TX 76655-3018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Vendor's Lien, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Aug 26, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EXTRACO BANKS NA
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage EXTRACO BANKS NA
Jul 18, 2019	Deed of Trust, Mortgage CORNERSTONE HM LNDG
Oct 15, 2018	Grant Deed, Transfer
Sep 4, 2018	Grant Deed, Transfer
Aug 31, 2018	Tax Deed, Transfer
Mar 20, 2019	Quit Claim Deed, Transfer FIRST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Oct 15, 2018
Deed Document Number	202529529
Record Updated	Oct 29, 2026

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Sep 26, 2025
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Document Number	0000029529
Instrument Date	Sep 25, 2025
Instrument	2025029529
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12647 CHAPEL RD, LORENA, TX 76655-3018

Mortgage

Document Number	0000029530
Date	Sep 26, 2025
Instrument	2025029530

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029896
Date	Aug 26, 2020
Instrument	2020029896

Lender

Name	EXTRACO BANKS NA
Type	Bank
Address	WOODWAY, TX 76712

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028949
Date	Aug 19, 2020
Instrument	2020028949

Lender

Name	EXTRACO BANKS NA
Type	Bank
Address	WOODWAY, TX 76712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Document Number	0000024365
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12647 CHAPEL RD LORENA TX 766553018, LORENA, TX 76655-3018

Mortgage

Document Number	0000024365
Date	Jul 24, 2019
Instrument	24365

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 15, 2018
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Document Number	0000036388
Instrument Date	Oct 15, 2018
Instrument	36388
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12617 CHAPEL RD LORENA TX 766553018, LORENA, TX 76655-3018

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 4, 2018
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Document Number	0000031293
Instrument Date	Aug 31, 2018
Instrument	31293
Transaction Type	Transfer
Record Updated	Sep 24, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4301 WESTBANK DR #120 AUSTIN TX 787466568, 120, AUSTIN, TX 78746-6568

August 2018: Tax Deed, Transfer

Document Type	Tax Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 31, 2018
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Document Number	0000031063
Instrument Date	Aug 16, 2018
Instrument	31063
Transaction Type	Transfer
Record Updated	Sep 24, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12647 CHAPEL RD LORENA TX 766553018, LORENA, TX 76655-3018
Investor	Possibly a Property Investor

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 20, 2019
Property Address	12647 CHAPEL RD, LORENA, TX 76655-3018
Document Number	0000009329
Instrument Date	Jun 12, 2018
Instrument	9329
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	FIRST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12617 CHAPEL RD LORENA TX 766553018, LORENA, TX 76655-3018

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Lorena Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$336,341 (+57.01%) Land $41,475 Building $294,866	$336,341 (+41.14%) Land $41,475 Building $294,866
2025	$1,504.00 (-3.9%) Homeowner's exemption	$214,212 (-2.9%) Land $33,670 Building $204,630	$238,300 (+8.02%) Land $33,670 Building $204,630
2024	$1,565.00 (+13.16%)
2023		$220,610 Land $33,670 Building $186,940	$220,610 Land $33,670 Building $186,940
2022	$1,383.00

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

Flood

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 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

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

Wildfire Risk	Moderate above 64% of the US · above 50% of Texas
Wildfire Likelihood	0.2% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 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
Central Link Broadband Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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