1315 Stephanie, Waco, TX 76705 Property Records

McLennan County property record for 1315 Stephanie, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 1999
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on Record
Tax Bill	$2,627 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`28-057800-000903-7`

Property Details

APN / Parcel Number

Primary APN	`28-057800-000903-7`
Alternative APNs	`2805780000090370111` `127919`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	2,056 sqft
1st Floor Area	1,636 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	665 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	183 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1315 STEPHANIE
City	WACO
State	TX
Zip	76705-7512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TRI CITIES LOT 3 BLOCK 4 ACRES .2571
Legal Subdivision	TRI CITIES
Legal Block	4
Legal Lot Number	3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2001
Census Tract	1600

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	1315 STEPHANIE, WACO, TX 76705-7512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit ROYAL UNITED MORTGAGE LLC
Jun 29, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Jul 29, 2026
Property Address	1315 STEPHANIE, WACO, TX 76705-7512
Document Number	0000024276
Instrument Date	Jul 22, 2026
Instrument	202624276
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 STEPHANIE, WACO, TX 76705-7512

Mortgage

Document Number	0000024276,
Date	Jul 29, 2026
Instrument	202624276

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 29, 2022
Property Address	1315 STEPHANIE, WACO, TX 76705-7512
Document Number	0000026980
Map Reference	VOL 1865 PG 17
Instrument Date	Jun 28, 2022
Instrument	2022026980
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1315 STEPHANIE, WACO, TX 76705-7512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 S BERMUDA ST, WACO, TX 76705-1840

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		$191,706 (-12.07%) Land $28,224 Building $163,482	$191,706 (-12.07%) Land $28,224 Building $163,482
2025	$2,627.00 (-16.63%) Homeowner's exemption	$218,030 (-3.95%) Land $25,650 Building $192,380	$218,030 (-3.95%) Land $25,650 Building $192,380
2024	$3,151.00 (-22.39%)
2023		$226,990 Land $25,650 Building $201,340	$226,990 Land $25,650 Building $201,340
2022	$4,060.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.01% 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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