1317 Stephanie, Waco, TX 76705 Property Records

McLennan County property record for 1317 Stephanie, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,346 sqft · built 2002
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on Record
Last Sale	$287,594 (Feb 2024)
Tax Bill	$6,080 (2025)
Deeds & Mortgages	Feb 2024 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-057800-000902-5`

Property Details

APN / Parcel Number

Primary APN	`28-057800-000902-5`
Alternative APNs	`2805780000090250101` `127918`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,346 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	2,346 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Wood
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	462 sqft
Driveway	Concrete Driveway
Driveway Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	149 sqft
Patio Area	32 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1317 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 2 BLOCK 4 ACRES .2571
Legal Subdivision	TRI CITIES
Legal Block	4
Legal Lot Number	2
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	1317 STEPHANIE, WACO, TX 76705-7512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Vendor's Lien, Transfer · FHA Mortgage KIND LENDING LLC
May 22, 2019	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2024 · Amount on Record
Deed Sale	Feb 5, 2024 · Amount on Record
Deed Document Number	20243474
Prior Transfer Date	Dec 28, 2018
Prior Transfer Doc	0000044785
Record Updated	Oct 29, 2026

February 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 5, 2024
Property Address	1317 STEPHANIE, WACO, TX 76705-7512
Document Number	0000003474
Map Reference	VOL 1865 PG 17
Instrument Date	Feb 2, 2024
Instrument	2024003474
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 SPRING FIELD ST, WACO, TX 76705-1010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 STEPHANIE, WACO, TX 76705-7512

Mortgage

Document Number	0000003475
Date	Feb 5, 2024
Instrument	2024003475

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1317 STEPHANIE, WACO, TX 76705-7512
Document Number	0000017521
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1317 STEPHANIE WACO TX 767057512, WACO, TX 76705-7512

Mortgage

Document Number	0000017521
Date	May 29, 2019
Instrument	17521

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 28, 2049

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		$247,734 (-14.26%) Land $28,224 Building $219,510	$247,734 (-14.26%) Land $28,224 Building $219,510
2025	$6,080.00 (+110.09%)	$288,950 (-3.04%) Land $25,650 Building $263,300	$288,950 (-3.04%) Land $25,650 Building $263,300
2024	$2,894.00 (+1.51%)
2023		$298,020 Land $25,650 Building $272,370	$298,020 Land $25,650 Building $272,370
2022	$2,851.00

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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