McLennan County property record for 1309 Charleston, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,372 sqft · built 2002 |
| Lot Size | 0.24 acres (10,466 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,708 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jul 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-012001-001002-0 |
| Primary APN | 28-012001-001002-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,372 sqft Living Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 1,372 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,466 sqft (0.24 acres) |
| Lot Dimensions | 114 ft deep x 92 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 700 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 107 sqft |
| Patio Area | 66 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1309 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 2 BLOCK 10 ACRES .2403 |
| Legal Subdivision | COLONIAL ESTATES |
| Legal Block | 10 |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 1700 |
1309 Charleston is owned and occupied by two individuals who acquired it in July 2021.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1309 CHARLESTON, WACO, TX 76705-2300 |
| 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 |
|---|---|
| Nov 8, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 19, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2021 |
| Deed Sale | Jul 19, 2021 |
| Prior Sale | Jul 30, 2007 · Amount on File |
| Deed Document Number | 202128373 |
| Prior Transfer Date | Jul 24, 2007 |
| Prior Transfer Doc | 0000027631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 1309 CHARLESTON, WACO, TX 76705-2300 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1309 CHARLESTON, WACO, TX 76705-2300 |
| Document Number | 0000034639 |
|---|---|
| Date | Nov 8, 2023 |
| Instrument | 2023034639 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 19, 2021 |
| Property Address | 1309 CHARLESTON, WACO, TX 76705-2300 |
| Document Number | 0000028373 |
| Map Reference | VOL 668 PG 872 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 2021028373 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1309 CHARLESTON, WACO, TX 76705-2300 |
The 2025 property tax bill for 1309 Charleston was $1,708 with exemptions applied, up 2.5% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Bellmead City |
| County | McLennan County |
| Unified School District | La Vega Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,726 (-9.05%) Land $24,071 Building $201,655 | $225,726 (-11.24%) Land $24,071 Building $201,655 | |
| 2025 | $1,708.00 (+2.52%) Homeowner's exemption Senior Citizen's exemption | $248,182 Land $21,980 Building $232,340 | $254,320 Land $21,980 Building $232,340 |
| 2024 | $1,666.00 | ||
| 2023 | $201,120 Land $21,980 Building $179,140 | $201,120 Land $21,980 Building $179,140 | |
| 2022 | $1,516.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1309 Charleston 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 risk around 1309 Charleston is moderate, ranking above 43% of the US, with a 0.06% annual chance of 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.
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 |
| 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.
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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