McLennan County property record for 178 Virginia Rd, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,564 sqft · built 1972 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,023 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-022600-000300-3 |
| Primary APN | 20-022600-000300-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 1,564 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 16,000 sqft (0.367 acres) |
| Lot Dimensions | 128 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 736 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 178 VIRGINIA RD |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1192 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | CHALK BLUFF LOT 3 BLOCK 1 ACRES .3673 |
| Legal Subdivision | CHALK BLUFF |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 3402 |
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 | 178 VIRGINIA RD, WACO, TX 76705-1192 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED HERITAGE CU |
| Dec 12, 2017 | Deed of Trust, Mortgage INCOMMONS BK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 178 VIRGINIA RD, WACO, TX 76705-1192 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003412 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 2022003412 |
| Name | UNITED HERITAGE CU |
|---|---|
| Type | Credit Union |
| Address | AUSTIN, TX 78759 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 178 VIRGINIA RD, WACO, TX 76705-1192 |
| Document Number | 0000041354 |
| Instrument Date | Dec 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 178 VIRGINIA RD WACO TX 767051192, WACO, TX 76705-1192 |
| Document Number | 0000041354 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 41354 |
| Name | INCOMMONS BK NA |
|---|---|
| Type | Bank |
| Address | MEXIA, TX 76667 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 18, 2047 |
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 | $267,155 (+4.01%) Land $53,600 Building $213,555 | $267,155 (-0.56%) Land $53,600 Building $213,555 | |
| 2025 | $2,023.00 (-1.27%) Homeowner's exemption | $256,860 (-4.46%) Land $48,800 Building $219,860 | $268,660 (-0.07%) Land $48,800 Building $219,860 |
| 2024 | $2,049.00 (+12.15%) | ||
| 2023 | $268,860 Land $48,800 Building $220,060 | $268,860 Land $48,800 Building $220,060 | |
| 2022 | $1,827.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 68% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% 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 201 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 | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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