McLennan County property record for 1305 Speck Ln, Hewitt, TX 76643
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.357 acres (15,547 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $452,494 (May 2026) |
| Tax Bill | $1,516 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-061022-000415-0 |
| Primary APN | 30-061022-000415-0 |
|---|---|
| Alternative APN |
|
| Lot Area | 15,547 sqft (0.357 acres) |
|---|---|
| Lot Dimensions | 145 ft deep x 104 ft wide |
| Street Address | 1305 SPECK LN |
|---|---|
| City | HEWITT |
| State | TX |
| Zip | 76643-4332 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | BULL HIDE ESTATES LOT 15 BLOCK 4 ACRES 0.3569 |
| Legal Subdivision | BULL HIDE ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 15 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 3710 |
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 | 1305 SPECK LN, HEWITT, TX 76643-4332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA |
| May 11, 2026 | Deed, Transfer · FHA Mortgage FIRST COVENANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Deed Document Number | 202614822 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 1305 SPECK LN, HEWITT, TX 76643-4332 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 707 HIGHWAY 36 BYP N, GATESVILLE, TX 76528-2012 |
| Document Number | 0000035066 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 2025035066 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | GATESVILLE, TX 76528 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 11, 2026 |
| Property Address | 1305 SPECK LN, HEWITT, TX 76643-4332 |
| Document Number | 0000014822 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026.14822 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1305 SPECK LN, HEWITT, TX 76643-4332 |
| Document Number | 0000014823, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026..14823 |
| Name | FIRST COVENANT BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Hewitt City |
| Unified School District | Lorena Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $84,581 (+10.1%) Land $84,581 | $84,581 (+10.1%) Land $84,581 | |
| 2025 | $1,516.00 (+3.41%) | $76,820 Land $76,820 | $76,820 Land $76,820 |
| 2024 | $1,466.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2016 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 82% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 HEWITT serves 16,978 people · EPA ID TX1550031 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) 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.
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