1808 N 12th St, Waco, TX 76707 Property Records

McLennan County property record for 1808 N 12th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 981 sqft · built 1945
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$118,012 (Mar 2023)
Tax Bill	$2,626 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-039200-001900-1`

Property Details

APN / Parcel Number

Primary APN	`48-039200-001900-1`
Alternative APNs	`4803920000190010111` `191620`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	981 sqft Living Area
1st Floor Area	981 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1971
Exterior Material	Asbestos
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	150 ft deep x 59 ft wide
Driveway	Concrete Driveway
Driveway Area	144 sqft
Porch	Open Porch
Porch Area	85 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	1808 N 12TH ST
City	WACO
State	TX
Zip	76707-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	STURGIS SUB LOT 3B 4A BLOCK 2 ACRES .202
Legal Subdivision	STURGIS SUB
Legal Block	2
Legal Lot Number	3B
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2018
Census Tract	1200

Owner

1808 N 12th St is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1808 N 12TH ST, WACO, TX 76707-2326
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 31, 2023	Vendor's Lien, Transfer · FHA Mortgage NETWORK FUNDING LP
Sep 25, 2017	Warranty Deed, Transfer AMERICAN BK
Sep 25, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Sep 25, 2017
Deed Document Number	20239054
Prior Transfer Date	Apr 24, 2006
Prior Transfer Doc	0000015328
Record Updated	Oct 29, 2026

March 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 31, 2023
Property Address	1808 N 12TH ST, WACO, TX 76707-2326
Document Number	0000009054
Map Reference	VOL 275 PG 190
Instrument Date	Mar 29, 2023
Instrument	2023009054
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	AGT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1808 N 12TH ST, WACO, TX 76707-2326
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009055
Date	Mar 31, 2023
Instrument	2023009055

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	0000009056
Date	Mar 31, 2023
Instrument	2023009056

Lender

Name	TEXAS DEPT OF HOUSING & CMNTY AFFAIRS
Type	Government Agency
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 25, 2017
Property Address	1808 N 12TH ST, WACO, TX 76707-2326
Document Number	0000031701
Instrument Date	Sep 22, 2017
Instrument	31701
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1238 W SOMERS LN AXTELL TX 766241173, AXTELL, TX 76624-1173

Mortgage

Document Number	31702
Date	Sep 25, 2017
Instrument	31702

Lender

Name	AMERICAN BK
Type	Bank
Address	WACO, TX 76715-4068

Agreement

Amount	Amount on Record

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 25, 2017
Property Address	1808 N 12TH ST, WACO, TX 76707-2326
Document Number	0000031700
Instrument Date	Sep 6, 2017
Instrument	31700
Transaction Type	Transfer
Record Updated	Oct 18, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8613 WACO TX 767148613, WACO, TX 76714-8613

Tax Assessment & Valuation

The 2025 property tax bill for 1808 N 12th St was $2,626, down 6.5% 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		$115,973 (-0.72%) Land $26,573 Building $89,400	$115,973 (-0.72%) Land $26,573 Building $89,400
2025	$2,626.00 (-6.55%)	$116,810 Land $24,110 Building $92,700	$116,810 Land $24,110 Building $92,700
2024	$2,810.00
2023		$120,680 Land $24,110 Building $96,570	$120,680 Land $24,110 Building $96,570
2022	$2,705.00

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

Flood

FEMA maps place 1808 N 12th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1989.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1989)
Most Recent Claim	May 1989 · Severe Storms, Tornadoes & Flooding

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

Wildfire risk around 1808 N 12th St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.02% 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 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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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