201 Waters St, Waco, TX 76704 Property Records

McLennan County property record for 201 Waters St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,504 sqft · built 1962
Lot Size	0.269 acres (11,700 sqft)
Owner	Individual Name on Record
Last Sale	$238,009 (Jul 2023)
Tax Bill	$5,283 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2022 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`48-035203-000400-2`

Property Details

APN / Parcel Number

Primary APN	`48-035203-000400-2`
Alternative APNs	`4803520300040020111` `188088`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
Gross Area	1,744 sqft
1st Floor Area	1,504 sqft
Flooring	Carpet

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	1,784 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	201 WATERS ST
City	WACO
State	TX
Zip	76704-1451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS NO 3 LOT 1 BLOCK C ACRES .2686
Legal Subdivision	RIVER OAKS NO 3
Legal Block	C
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2013
Census Tract	1401

Owner

Source: McLennan County records, as of September 2, 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	1639 POPLAR ST, 4N, PHILADELPHIA, PA 19130-1648
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Vendor's Lien, Transfer · FHA Mortgage GUARANTEED RATE INC
Nov 7, 2022	Intrafamily Transfer, Transfer · Construction Mortgage FIRST NATIONAL BANK OF MCGREGOR
Sep 8, 2022	Vendor's Lien, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF MCGREGOR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Nov 7, 2022 · Amount on Record
Deed Document Number	202321429
Prior Transfer Date	Nov 2, 2022
Prior Transfer Doc	0000043427
Record Updated	Oct 29, 2026

July 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 12, 2023
Property Address	201 WATERS ST, WACO, TX 76704-1451
Document Number	0000021429
Map Reference	VOL 893 PG 56
Instrument Date	Jul 10, 2023
Instrument	2023021429
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	FTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 E DENNY WAY UNIT 303, 303, SEATTLE, WA 98122-5451

Mortgage

Document Number	0000021430
Date	Jul 12, 2023
Instrument	2023021430

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000021431
Date	Jul 12, 2023
Instrument	2023021431

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jul 10, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Nov 7, 2022
Property Address	201 WATERS ST, WACO, TX 76704-1451
Document Number	0000043427
Map Reference	VOL 893 PG 56
Instrument Date	Nov 2, 2022
Instrument	2022043427
Transaction Type	Transfer
Record Updated	Nov 14, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5704 SILVER LAKE CIR, WACO, TX 76710-2857

Mortgage

Document Number	0000043428
Date	Nov 7, 2022
Instrument	2022043428

Lender

Name	FIRST NATIONAL BANK OF MCGREGOR
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	May 2, 2023

September 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Sep 8, 2022
Property Address	201 WATERS ST, WACO, TX 76704-1451
Document Number	0000036392
Map Reference	VOL 893 PG 56
Instrument Date	Sep 2, 2022
Instrument	2022036392
Transaction Type	Transfer
Record Updated	Nov 14, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5704 SILVER LAKE CIR, WACO, TX 76710-2857

Mortgage

Document Number	0000036393
Date	Sep 8, 2022
Instrument	2022036393

Lender

Name	FIRST NATIONAL BANK OF MCGREGOR
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 2, 2042

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		$233,842 (-0.5%) Land $18,135 Building $215,707	$233,842 (-0.5%) Land $18,135 Building $215,707
2025	$5,283.00 (-2.46%)	$235,010 (+23.59%) Land $16,380 Building $218,630	$235,010 (+23.59%) Land $16,380 Building $218,630
2024	$5,416.00 (+27.08%)
2023		$190,150 (+1.95%) Land $16,380 Building $173,770	$190,150 (+1.95%) Land $16,380 Building $173,770
2022	$4,262.00	$186,520 Land $14,270 Building $172,250	$186,520 Land $14,270 Building $172,250

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 in force

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	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 364 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Central Link Broadband, Nextlink.

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