1306 Saratoga, Waco, TX 76705 Property Records

McLennan County property record for 1306 Saratoga, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 2001
Lot Size	0.238 acres (10,358 sqft)
Owner	Individual Name on File
Last Sale	$110,390 (Mar 2023)
Tax Bill	$3,235 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-012001-000811-0`

Property Details

APN / Parcel Number

Primary APN	`28-012001-000811-0`
Alternative APN	`313049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	2,072 sqft
1st Floor Area	1,594 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,358 sqft (0.238 acres)
Garage Type	Attached
Garage Area	478 sqft
Driveway	Concrete Driveway
Driveway Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	52 sqft
Patio Area	120 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1306 SARATOGA
City	WACO
State	TX
Zip	76705-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	COLONIAL ESTATES LOT 11 BLOCK 8 ACRES 0.2378
Legal Subdivision	COLONIAL ESTATES
Legal Block	8
Legal Lot Number	11
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3024
Census Tract	1700

Owner

1306 Saratoga is owned and occupied by an individual who bought it in March 2023.

Source: McLennan County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	1306 SARATOGA, WACO, TX 76705-2367
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Apr 3, 2023	Deed of Trust, Mortgage · Loan Assumption DARREN KEITH SMITH
Mar 31, 2023	Intrafamily Transfer, Transfer FIRST PREFERENCE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Feb 15, 2006 · Amount on File
Deed Document Number	20238974
Prior Transfer Date	Feb 9, 2006
Prior Transfer Doc	0000005234
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1306 SARATOGA, WACO, TX 76705-2367
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 SARATOGA, BELLMEAD, TX 76705-2367

Mortgage

Document Number	0000036067
Date	Nov 22, 2023
Instrument	2023036067

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2038

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1306 SARATOGA, WACO, TX 76705-2367
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 SARATOGA, WACO, TX 76705-2367

Mortgage

Document Number	0000009229
Date	Apr 3, 2023
Instrument	2023009229

Lender

Name	DARREN KEITH SMITH
Type	Private Party
Address	PO BOX 766, ELM MOTT, TX 76640

Agreement

Type	Loan Assumption
Amount	Amount on Record

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Mar 31, 2023
Property Address	1306 SARATOGA, WACO, TX 76705-2367
Document Number	0000008974
Map Reference	VOL 668 PG 872
Instrument Date	Mar 31, 2023
Instrument	2023008974
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 766, ELM MOTT, TX 76640-0766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 SARATOGA, WACO, TX 76705-2367

Mortgage

Date	Mar 31, 2023

Lender

Name	FIRST PREFERENCE MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1306 Saratoga was $3,235 with a homeowner's exemption, down 1.9% from the year before.

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		$220,481 (-11.2%) Land $24,031 Building $196,450	$220,481 (-11.2%) Land $24,031 Building $196,450
2025	$3,235.00 (-1.85%) Homeowner's exemption	$248,300 Land $21,860 Building $226,440	$248,300 Land $21,860 Building $226,440
2024	$3,296.00
2023		$212,000 Land $21,860 Building $190,140	$212,000 Land $21,860 Building $190,140
2022	$2,590.00

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

Flood

FEMA maps place 1306 Saratoga in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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

Wildfire risk around 1306 Saratoga is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% 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 77 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
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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