1310 Saratoga, Waco, TX 76705 Property Records

McLennan County property record for 1310 Saratoga, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 2001
Lot Size	0.25 acres (10,887 sqft)
Owner	Individual Name on Record
Last Sale	$204,820 (Jan 2026)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-012001-000813-0`

Property Details

APN / Parcel Number

Primary APN	`28-012001-000813-0`
Alternative APN	`313051`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	1,810 sqft
1st Floor Area	1,350 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 Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	10,887 sqft (0.25 acres)
Garage Type	Attached
Garage Area	460 sqft
Driveway	Concrete Driveway
Driveway Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1310 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 13 BLOCK 8 ACRES .2499
Legal Subdivision	COLONIAL ESTATES
Legal Block	8
Legal Lot Number	13
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3024
Census Tract	1700

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	Individual Name on Record
Mailing Address	1310 SARATOGA, WACO, TX 76705-2367
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 21, 2017	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2026 · Amount on Record
Deed Sale	Jan 29, 2026 · Amount on Record
Prior Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	20262680
Prior Transfer Date	Feb 13, 2017
Prior Transfer Doc	0000005412
Record Updated	Oct 29, 2026

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jan 29, 2026
Property Address	1310 SARATOGA, WACO, TX 76705-2367
Document Number	0000002680
Map Reference	VOL 668 PG 872
Instrument Date	Jan 22, 2026
Instrument	2026002680
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	FIRST TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 SARATOGA, BELLMEAD, TX 76705-2367

Mortgage

Document Number	0000002681
Date	Jan 29, 2026
Instrument	2026002681

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

February 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 21, 2017
Property Address	1310 SARATOGA, WACO, TX 76705-2367
Document Number	0000005412
Map Reference	VOL668 PG872
Instrument Date	Feb 13, 2017
Instrument	2017005412
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 SARATOGA, WACO, TX 76705-2367

Mortgage

Document Number	0000005413
Date	Feb 21, 2017
Instrument	2017005413

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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		$198,607 (+1.99%) Land $24,495 Building $174,112	$198,607 (-11.03%) Land $24,495 Building $174,112
2025	$2,131.00 (-1.66%) Homeowner's exemption	$194,725 (-2.89%)	$223,240 (+11.34%) Land $22,210 Building $201,030
2024	$2,167.00 (+28.45%)
2023		$200,510 Land $22,210 Building $178,300	$200,510 Land $22,210 Building $178,300
2022	$1,687.00

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	Low lower than 94% of the US · lower than 97.4% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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