1323 Clay Ave, Waco, TX 76706 Property Records

McLennan County property record for 1323 Clay Ave, Waco, TX 76706

Property Summary

Property Type	Duplex
Details	1 bd · 1 ba · 1,380 sqft · built 1927
Lot Size	0.232 acres (10,120 sqft)
Owner	Company Name on File
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-011100-000400-5`

Property Details

APN / Parcel Number

Primary APN	`48-011100-000400-5`
Alternative APNs	`4801110000040050111` `169681`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Flooring	Wood

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	10,120 sqft (0.232 acres)
Lot Dimensions	110 ft deep x 92 ft wide
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1323 CLAY AVE
City	WACO
State	TX
Zip	76706-1726
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	M1
Legal Description	CURTIS C N LOT A8 B9 B8 C8 A2 BLOCK 1 ACRES .2323
Legal Subdivision	CURTIS C N
Legal Block	1
Legal Lot Number	A8
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2090
Census Tract	100

Owner

1323 Clay Ave, a duplex, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	2717 DEEP RIVER CIR, ROUND ROCK, TX 78665-5651
Owner Type	Company
Vesting	Company

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
Jun 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
Dec 22, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Jun 22, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1323 CLAY AVE, WACO, TX 76706-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020985
Date	Jun 25, 2018
Instrument	2018020985

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	AUSTIN, TX 78702

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1323 CLAY AVE, WACO, TX 76706-1726
Document Number	0000042830
Instrument Date	Dec 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1323 CLAY AVE WACO TX 767061726, WACO, TX 76706-1726

Mortgage

Document Number	0000042830
Date	Dec 30, 2019
Instrument	42830

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1323 CLAY AVE, WACO, TX 76706-1726
Document Number	0000026141
Instrument Date	Jun 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1323-1825 CLAY AVE WACO TX 767061726, WACO, TX 76706-1726

Mortgage

Document Number	0000026141
Date	Aug 7, 2019
Instrument	26141

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	12 Months
Due	Aug 6, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 1323 Clay Ave was $3,164, up 1.1% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Waco City
Unified School District	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,465 (-0.2%) Land $47,665 Building $92,800	$140,465 (-0.2%) Land $47,665 Building $92,800
2025	$3,164.00 (+1.05%)	$140,740 Land $43,310 Building $97,430	$140,740 Land $43,310 Building $97,430
2024	$3,131.00
2023		$140,710 Land $43,310 Building $97,400	$140,710 Land $43,310 Building $97,400
2022	$3,154.00

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

Flood

FEMA maps place 1323 Clay Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1989–2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2012 · rainfall accumulation

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

The area around 1323 Clay Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 WACO serves 146,241 people · EPA ID TX1550008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	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: T-Mobile.

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