McLennan County property record for 197 Tom McCartney Ln, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,524 sqft · built 1995 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,450 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-028300-004200-0 |
| Primary APN | 24-028300-004200-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,524 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 33,977 sqft (0.78 acres) |
| Garage Type | Detached |
| Garage Area | 700 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 392 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 197 TOM MCCARTNEY LN |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-5632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | DEES NALCISSO ACRES .775 |
| Legal Subdivision | DEES NALCISSO |
| Legal Tract | 20V |
| Legal Lot Number | 20V |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WEST |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 4202 |
Source: McLennan County records, as of August 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 197 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 197 TOM MCCARTNEY LN, WACO, TX 76705-5632 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 197 TOM MCCARTNEY LN, BELLMEAD, TX 76705-5632 |
| Document Number | 0000001191 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | 2026001191 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2041 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Gholson City |
| County | McLennan County |
| Unified School District | Gholson Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $257,000 (-17.88%) Land $25,085 Building $231,915 | $257,000 (-35.7%) Land $25,085 Building $231,915 | |
| 2025 | $2,450.00 (+24.94%) Homeowner's exemption | $312,961 (+1.11%) Land $21,480 Building $378,240 | $399,720 (+29.14%) Land $21,480 Building $378,240 |
| 2024 | $1,961.00 (+14.41%) | ||
| 2023 | $309,530 Land $21,480 Building $288,050 | $309,530 Land $21,480 Building $288,050 | |
| 2022 | $1,714.00 |
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 · 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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2007) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jul 2007 · Severe Storms, Tornadoes, And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 57% of Texas |
|---|---|
| Wildfire Likelihood | 0.3% 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 | GHOLSON WSC serves 3,903 people · EPA ID TX1550028 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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