1405 James Ave, Waco, TX 76706 Property Records

McLennan County property record for 1405 James Ave, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 1935
Lot Size	0.28 acres (12,210 sqft)
Owner	2 Company Names on Record
Tax Bill	$7,669 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Jan 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`480260000006028`

Property Details

APN / Parcel Number

Primary APN	`480260000006028`
Alternative APNs	`4802600000060280111` `179293`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,081 sqft Living Area
1st Floor Area	1,441 sqft
2nd Floor Area	640 sqft
Flooring	Carpet

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	12,210 sqft (0.28 acres)
Lot Dimensions	165 ft deep x 74 ft wide
Porch	Open Porch
Porch Area	165 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	179293
Old Parcel Number	4802600000060280111
Street Address	1405 JAMES AVE
City	WACO
State	TX
Zip	76706-2041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	KOLLER LOT 12 BLOCK 1 ACRES .2803
Legal Subdivision	KOLLER
Legal Block	1
Legal Lot Number	12
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3012
Census Tract	402

Owner

Source: McLennan County records, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	35205 N 45TH ST, CAVE CREEK, AZ 85331-4735
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF MCGREGOR
Jan 20, 2020	Loan Modification, Mortgage COMMUNITY BK
Jan 20, 2019	Loan Modification, Mortgage COMMUNITY BK
Jan 24, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Feb 6, 2023
Deed Sale	Feb 6, 2023
Prior Sale	Jun 12, 2008
Deed Document Number	2023003201
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Feb 6, 2023
Property Address	1405 JAMES AVE, WACO, TX 76706-2041
Document Number	0000003201
Map Reference	VOL 1742 PG 525
Instrument Date	Feb 6, 2023
Instrument	2023003201
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	182 ESTES RANCH RD, BRUCEVILLE, TX 76630-3340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35205 N 45TH ST, CAVE CREEK, AZ 85331-4735

Mortgage

Document Number	0000003176
Date	Feb 6, 2023
Instrument	2023003176

Lender

Name	FIRST NATIONAL BANK OF MCGREGOR
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 31, 2043

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1405 JAMES AVE, WACO, TX 76706-2041
Document Number	0000005645
Instrument Date	Jan 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	182 ESTES RANCH RD BRUCEVILLE TX 766303340, BRUCEVILLE, TX 76630-3340

Mortgage

Document Number	0000005645
Date	Feb 19, 2020
Instrument	5645

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 18, 2021

Interest

Rate	6%

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1405 JAMES AVE, WACO, TX 76706-2041
Document Number	0000003856
Instrument Date	Jan 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1909 S 11TH ST WACO TX 767063107, WACO, TX 76706-3107

Mortgage

Document Number	0000003856
Date	Feb 5, 2019
Instrument	3856

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 4, 2020

Interest

Rate	6.5%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1405 JAMES AVE, WACO, TX 76706-2041
Document Number	0000003099
Instrument Date	Jan 24, 2018
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 CHEROKEE LN WACO TX 767128597, WACO, TX 76712-8597

Mortgage

Document Number	0000003099
Date	Jan 31, 2018
Instrument	3099

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

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
2025		$302,000 (-7.08%) Land $186,200 Building $115,800	$302,000 (-7.08%) Land $186,200 Building $115,800
2024	$7,669.00 (+5.26%)
2023		$325,000 Land $186,200 Building $138,800	$325,000 Land $186,200 Building $138,800
2022	$7,286.00

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	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 462 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: Pavlov Media, T-Mobile.

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