1303 Charleston, Waco, TX 76705 Property Records

McLennan County property record for 1303 Charleston, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 2002
Lot Size	0.242 acres (10,542 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,824 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-012001-001005-0`

Property Details

APN / Parcel Number

Primary APN	`28-012001-001005-0`
Alternative APN	`313084`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,417 sqft Living Area
Gross Area	1,837 sqft
1st Floor Area	1,417 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,542 sqft (0.242 acres)
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	107 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1303 CHARLESTON
City	WACO
State	TX
Zip	76705-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	COLONIAL ESTATES LOT 5 BLOCK 10 ACRES .242
Legal Subdivision	COLONIAL ESTATES
Legal Block	10
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3026
Census Tract	1700

Owner

Source: McLennan County records, as of September 4, 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	1303 CHARLESTON, WACO, TX 76705-2300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CREDIT UNION
Apr 7, 2022	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Apr 9, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GOLD FIN'L SVCS
Oct 27, 2017	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2017
Deed Sale	Oct 27, 2017
Prior Sale	Sep 23, 2014 · Amount on Record
Deed Document Number	201735772
Prior Transfer Date	Oct 17, 2017
Prior Transfer Doc	0000035772
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Aug 26, 2026
Property Address	1303 CHARLESTON, WACO, TX 76705-2300
Document Number	0000027462
Instrument Date	Aug 21, 2026
Instrument	202627462
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 CHARLESTON, WACO, TX 76705-2300

Mortgage

Document Number	0000027462,
Date	Aug 26, 2026
Instrument	202627462

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1303 CHARLESTON, WACO, TX 76705-2300
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013850
Date	Apr 7, 2022
Instrument	2022013850

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 9, 2018
Property Address	1303 CHARLESTON, WACO, TX 76705-2300
Document Number	0000011255
Instrument Date	Apr 5, 2018
Instrument	11255
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 26, 2018

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1303 CHARLESTON WACO TX 767052300, WACO, TX 76705-2300

Mortgage

Document Number	11256
Date	Apr 9, 2018
Instrument	11256

Lender

Name	GOLD FIN'L SVCS
Type	Funding / Finance Company
Address	HOUSTON, TX 77036

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

October 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	MCLENNAN TX
Recording Date	Oct 27, 2017
Property Address	1303 CHARLESTON, WACO, TX 76705-2300
Document Number	0000035772
Instrument Date	Oct 17, 2017
Instrument	35772
Transaction Type	Foreclosure
Record Updated	Nov 21, 2017

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	207 SUN VALLEY BLVD HEWITT TX 766433510, HEWITT, TX 76643-3510

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bellmead City
County	McLennan County
Unified School District	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,232 (-10.39%) Land $24,141 Building $180,091	$204,232 (-11.15%) Land $24,141 Building $180,091
2025	$2,824.00 (+1.51%) Homeowner's exemption	$227,919 (+11.58%) Land $22,030 Building $207,820	$229,850 (+12.52%) Land $22,030 Building $207,820
2024	$2,782.00 (+27.91%)
2023		$204,270 Land $22,030 Building $182,240	$204,270 Land $22,030 Building $182,240
2022	$2,175.00

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1996–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2007 · river or lake 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.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.06% 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 BELLMEAD serves 10,664 people · EPA ID TX1550001
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink.

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