1900 S 12th St, Waco, TX 76706 Property Records

McLennan County property record for 1900 S 12th St, Waco, TX 76706

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,408 sqft · built 2003
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,000 (May 2021)
Tax Bill	$11,723 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-001600-025100-0`

Property Details

APN / Parcel Number

Primary APN	`48-001600-025100-0`
Alternative APNs	`4800160002510000111` `162103`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,408 sqft Living Area
1st Floor Area	1,754 sqft
2nd Floor Area	1,654 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Driveway	Concrete Driveway
Driveway Area	3,270 sqft
Porch	Open Porch
Porch Area	158 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1900 S 12TH ST
City	WACO
State	TX
Zip	76706-3116
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	BAGBY LOT 14 BLOCK 16 ACRES .1894
Legal Subdivision	BAGBY
Legal Block	16
Legal Lot Number	14
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2005
Census Tract	1900

Owner

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	2 Individual Names on Record
Mailing Address	1900 S 12TH ST, WACO, TX 76706-3116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Vendor's Lien, Transfer · Conventional Mortgage KELLER MORTGAGE LLC
Jan 22, 2019	Deed of Trust, Mortgage INDEPENDENT BK
Dec 28, 2017	Loan Modification, Mortgage INDEPENDENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Dec 31, 2012 · Amount on Record
Deed Document Number	202120313
Prior Transfer Date	May 21, 2021
Prior Transfer Doc	0000020313
Record Updated	Oct 29, 2026

May 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	May 25, 2021
Property Address	1900 S 12TH ST, WACO, TX 76706-3116
Document Number	0000020313
Instrument Date	May 21, 2021
Instrument	2021020313
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 S 12TH ST, WACO, TX 76706-3116

Mortgage

Document Number	0000020314
Date	May 25, 2021
Instrument	2021020314

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1900 S 12TH ST, WACO, TX 76706-3116
Document Number	0000003438
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	9922 TOWNRIDGE DR WACO TX 767123125, WACO, TX 76712-3125

Mortgage

Document Number	0000003438
Date	Feb 1, 2019
Instrument	3438

Lender

Name	INDEPENDENT BK
Type	Bank
Address	WACO, TX 76702

Agreement

Amount	Amount Recorded

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1900 S 12TH ST, WACO, TX 76706-3116
Document Number	0000000156
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 ELDON LN WACO TX 767101206, WACO, TX 76710-1206

Mortgage

Document Number	0000000156
Date	Jan 3, 2018
Instrument	156

Lender

Name	INDEPENDENT BK
Type	Bank
Address	WACO, TX 76702

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 2, 2023

Tax Assessment & Valuation

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		$479,000 (-8.13%) Land $274,560 Building $204,440	$479,000 (-8.13%) Land $274,560 Building $204,440
2025	$11,723.00 (+4.1%)	$521,410 (-0.26%) Land $249,560 Building $271,850	$521,410 (-0.26%) Land $249,560 Building $271,850
2024	$11,261.00 (-3.92%)
2023		$522,772 Land $249,560 Building $273,212	$522,772 Land $249,560 Building $273,212
2022	$11,720.00

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 · 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 Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Aug 1991 · river or lake 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

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 480 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 · 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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