McLennan County property record for 139 River Ridge Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,199 sqft · built 1994 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $517,500 (May 2026) |
| Tax Bill | $4,043 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-032400-000884-7 |
| Primary APN | 20-032400-000884-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,199 sqft Living Area |
| Gross Area | 3,738 sqft |
| 1st Floor Area | 1,718 sqft |
| 2nd Floor Area | 1,481 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Lot Dimensions | 182 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 539 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 3,500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 588 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 139 RIVER RIDGE DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | EATON A P ACRES 0.4591 |
| Legal Subdivision | EATON A P |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 3402 |
139 River Ridge Dr is owned and occupied by two individuals who bought it in May 2026.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 139 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| May 11, 2026 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK/CTRL TX |
| May 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EAST NATIONAL BANK |
| Aug 9, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on File |
| Deed Sale | May 11, 2026 · Amount on File |
| Deed Document Number | 202614892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 11, 2026 |
| Property Address | 139 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000014892 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026.14892 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 139 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000014891, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026.14891 |
| Name | FIRST NATIONAL BANK/CTRL TX |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 11, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 11, 2026 |
| Property Address | 139 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000014891 |
| Instrument Date | May 11, 2026 |
| Instrument | 202614891 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 703 GRIFFIN DR, CHANDLER, TX 75758 |
| Document Number | 0000014891, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 202614891 |
| Name | EAST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 11, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 139 RIVER RIDGE DR, WACO, TX 76705-1781 |
| Document Number | 0000029365 |
| Instrument Date | Aug 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 139 RIVER RIDGE DR WACO TX 767051781, WACO, TX 76705-1781 |
| Document Number | 0000029365 |
|---|---|
| Date | Aug 20, 2018 |
| Instrument | 29365 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 19, 2048 |
The 2025 property tax bill for 139 River Ridge Dr was $4,043, down 21.6% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Connally Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $446,246 (-4.05%) Land $43,000 Building $403,246 | $446,246 (-4.05%) Land $43,000 Building $403,246 | |
| 2025 | $4,043.00 (-21.59%) Homeowner's exemption Senior Citizen's exemption | $465,090 Land $39,200 Building $425,890 | $465,090 Land $39,200 Building $425,890 |
| 2024 | $5,156.00 | ||
| 2023 | $454,950 Land $39,200 Building $415,750 | $454,950 Land $39,200 Building $415,750 | |
| 2022 | $5,033.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 139 River Ridge Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015) |
| Most Recent Claim | Oct 2015 · 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 risk around 139 River Ridge Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 87% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% 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 | CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 87 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 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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