McLennan County property record for 208 Winding Oaks Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,282 sqft · built 1998 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | Individual Name on File |
| Last Sale | $264,300 (Oct 2018) |
| Tax Bill | $3,644 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-000901-000104-7 |
| Primary APN | 20-000901-000104-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,282 sqft Living Area |
| Gross Area | 2,867 sqft |
| 1st Floor Area | 2,282 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 45,738 sqft |
| Lot Dimensions | 375 ft deep x 122 ft wide |
| Garage Type | Attached |
| Garage Area | 585 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 252 sqft |
| Patio Area | 264 sqft |
| Storage Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 208 WINDING OAKS DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-5203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | DEER CREEK LOT 4 BLOCK 1 ACRES 1.05 |
| Legal Subdivision | DEER CREEK |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 3402 |
208 Winding Oaks Dr is owned and occupied by an individual who bought it in October 2018.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 208 WINDING OAKS DR, WACO, TX 76705-5203 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC |
| Oct 2, 2018 | Warranty Deed, Transfer · VA Mortgage LOANSOURCE R/E LNS |
| May 11, 2018 | Deed of Trust, Mortgage · Line of Credit LONE STAR FLCA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2018 · Amount on File |
| Deed Sale | Oct 2, 2018 · Amount on File |
| Prior Sale | Jan 17, 2017 · Amount on File |
| Deed Document Number | 201834915 |
| Prior Transfer Date | Aug 12, 2008 |
| Prior Transfer Doc | 0000026396 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 208 WINDING OAKS DR, WACO, TX 76705-5203 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ALAMO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000028699 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 2020028699 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Oct 2, 2018 |
| Property Address | 208 WINDING OAKS DR, WACO, TX 76705-5203 |
| Document Number | 0000034915 |
| Instrument Date | Oct 1, 2018 |
| Instrument | 34915 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 WINDING OAKS DR WACO TX 767055203, WACO, TX 76705-5203 |
| Document Number | 34916 |
|---|---|
| Date | Oct 2, 2018 |
| Instrument | 34916 |
| Name | LOANSOURCE R/E LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | RICHARDSON, TX 75081 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 208 WINDING OAKS DR, WACO, TX 76705-5203 |
| Document Number | 0000016009 |
| Instrument Date | May 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 208 WINDING OAKS DR WACO TX 767055203, WACO, TX 76705-5203 |
| Document Number | 0000016009 |
|---|---|
| Date | May 15, 2018 |
| Instrument | 16009 |
| Name | LONE STAR FLCA |
|---|---|
| Type | Funding / Finance Company |
| Address | FORT WORTH, TX 76102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 14, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 208 Winding Oaks Dr was $3,644 with exemptions applied, up 3.6% 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 | $416,116 (+6.14%) Land $60,858 Building $355,258 | $416,116 (+6.14%) Land $60,858 Building $355,258 | |
| 2025 | $3,644.00 (+3.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $392,050 Land $51,470 Building $340,580 | $392,050 Land $51,470 Building $340,580 |
| 2024 | $3,517.00 | ||
| 2023 | $432,220 Land $51,470 Building $380,750 | $432,220 Land $51,470 Building $380,750 | |
| 2022 | $3,211.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 208 Winding 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 208 Winding Oaks Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 80% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures