McLennan County property record for 204 Lost Oaks Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,729 sqft · built 1988 |
| Lot Size | 0.409 acres (17,816 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,200 (Nov 2013) |
| Tax Bill | $1,858 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-032400-000828-4 |
| Primary APN | 20-032400-000828-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,729 sqft Living Area |
| Gross Area | 2,237 sqft |
| 1st Floor Area | 1,246 sqft |
| 2nd Floor Area | 483 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 17,816 sqft (0.409 acres) |
| Lot Dimensions | 132 ft deep x 136 ft wide |
| Garage Type | Attached |
| Garage Area | 508 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 240 sqft |
| Patio Area | 140 sqft |
| Storage Building | 229 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 204 LOST OAKS DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | EATON A P ACRES .409 |
| Legal Subdivision | EATON A P |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 3402 |
204 Lost Oaks Dr is owned and occupied by two individuals who bought it in November 2013.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 204 LOST OAKS DR, WACO, TX 76705-1744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2013 · Amount on File |
| Deed Sale | Nov 13, 2013 · Amount on File |
| Deed Document Number | 201339976 |
| Prior Transfer Date | Nov 12, 2013 |
| Prior Transfer Doc | 0000039976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 204 LOST OAKS DR, WACO, TX 76705-1744 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000009446 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 2022009446 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 204 LOST OAKS DR, WACO, TX 76705-1744 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011981 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021011981 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 204 Lost Oaks Dr was $1,858 with a homeowner's exemption, down 20.4% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Connally Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $234,842 (-3.46%) Land $41,511 Building $193,331 | $234,842 (-3.46%) Land $41,511 Building $193,331 | |
| 2025 | $1,858.00 (-20.43%) Homeowner's exemption | $243,250 Land $37,770 Building $205,480 | $243,250 Land $37,770 Building $205,480 |
| 2024 | $2,335.00 | ||
| 2023 | $240,800 Land $37,770 Building $203,030 | $240,800 Land $37,770 Building $203,030 | |
| 2022 | $2,124.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Lost Oaks Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015) |
| Most Recent Claim | Oct 2015 · rainfall accumulation |
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 risk around 204 Lost Oaks Dr is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures