1840 N 13th St, Waco, TX 76707 Property Records

McLennan County property record for 1840 N 13th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,614 sqft · built 1945
Lot Size	0.189 acres (8,220 sqft)
Owner	Individual Name on File
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-039200-001300-3`

Property Details

APN / Parcel Number

Primary APN	`48-039200-001300-3`
Alternative APNs	`4803920000130030111` `191614`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
1st Floor Area	1,614 sqft
Flooring	Wood

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1972
Exterior Material	Asbestos
Roof Material	Composition Shingle
Lot Area	8,220 sqft (0.189 acres)
Lot Dimensions	137 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	32 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	1840 N 13TH ST
City	WACO
State	TX
Zip	76707-2352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	STURGIS SUB LOT 16A 17B BLOCK 1 ACRES .1887
Legal Subdivision	STURGIS SUB
Legal Block	1
Legal Lot Number	16A
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2017
Census Tract	1200

Owner

1840 N 13th St is owned and occupied by an individual who acquired it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1840 N 13TH ST, WACO, TX 76707-2352
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
Nov 2, 2020	Deed of Trust, Mortgage MEMBERS CHOICE/CTRL TX FCU
Jul 7, 2020	Deed of Trust, Construction Loan · Construction Mortgage MEMBERS CHOICE/CTRL TX FCU
May 7, 2020	Correction Deed, Transfer HOME ABSTRACT AND TITLE COMPANY, HOME ABSTRACT & TITLE CO
May 24, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2016
Deed Sale	Jul 19, 2016
Deed Document Number	201623186
Last Transfer Date	May 23, 2019
Transfer Doc	0000017099
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1840 N 13TH ST, WACO, TX 76707-2352
Document Number	0000040609
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1840 N 13TH ST WACO TX 767072352, WACO, TX 76707-2352

Mortgage

Document Number	0000040609
Date	Nov 13, 2020
Instrument	40609

Lender

Name	MEMBERS CHOICE/CTRL TX FCU
Type	Credit Union
Address	WACO, TX 76702

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2035

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Jul 7, 2020
Property Address	1840 N 13TH ST, WACO, TX 76707-2352
Document Number	0000022318
Instrument Date	Jul 1, 2020
Instrument	22318
Transaction Type	Construction Loan
Record Updated	Jul 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1840 N 13TH ST WACO TX 767072352, WACO, TX 76707-2352

Mortgage

Document Number	0000022318
Date	Jul 7, 2020
Instrument	22318

Lender

Name	MEMBERS CHOICE/CTRL TX FCU
Type	Credit Union
Address	WACO, TX 76702

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 6, 2021

May 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 7, 2020
Property Address	1840 N 13TH ST, WACO, TX 76707-2352
Document Number	0000014682
Instrument Date	May 5, 2020
Instrument	14682
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	HOME ABSTRACT AND TITLE COMPANY, HOME ABSTRACT & TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 N 13TH ST WACO TX 767072352, WACO, TX 76707-2352

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 24, 2019
Property Address	1840 N 13TH ST, WACO, TX 76707-2352
Document Number	0000017099
Instrument Date	May 23, 2019
Instrument	17099
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 N 13TH ST WACO TX 767072352, WACO, TX 76707-2352

Tax Assessment & Valuation

The 2025 property tax bill for 1840 N 13th St was $1,395 with a homeowner's exemption, down 5.6% 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		$157,256 (+1%)	$185,837 (+0.64%) Land $25,152 Building $160,685
2025	$1,395.00 (-5.62%) Homeowner's exemption	$142,960 Land $22,850 Building $161,800	$184,650 Land $22,850 Building $161,800
2024	$1,478.00
2023		$188,060 Land $22,850 Building $165,210	$188,060 Land $22,850 Building $165,210
2022	$1,202.00

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

Flood

FEMA maps place 1840 N 13th St 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
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 1840 N 13th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	0.01% 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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