2109 Horne Cir, Waco, TX 76705 Property Records

McLennan County property record for 2109 Horne Cir, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,650 sqft · built 1971
Lot Size	0.471 acres (20,525 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Dec 2019)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-037603-005200-5`

Property Details

APN / Parcel Number

Primary APN	`48-037603-005200-5`
Alternative APNs	`4803760300520050111` `189498`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,650 sqft Living Area
1st Floor Area	1,316 sqft
2nd Floor Area	1,334 sqft
Flooring	Carpet

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1992
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	20,525 sqft (0.471 acres)
Lot Dimensions	185 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	644 sqft
Driveway	Concrete Driveway
Driveway Area	1,965 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	120 sqft
Patio Area	528 sqft
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2109 HORNE CIR
City	WACO
State	TX
Zip	76705-2765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SHARONDALE LOT 28 BLOCK 3 ACRES .4712
Legal Subdivision	SHARONDALE
Legal Block	3
Legal Lot Number	28
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2007
Census Tract	1402

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	Individual Name on Record
Mailing Address	900 N 58TH ST, WACO, TX 76710-4339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK TEXAS
Dec 26, 2019	Vendor's Lien, Transfer FIRST NATIONAL BANK OF MCGREGOR
Nov 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Deed Document Number	201942443
Prior Transfer Date	Dec 20, 2019
Prior Transfer Doc	0000042443
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	2109 HORNE CIR, WACO, TX 76705-2765
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	ALAMO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043696
Date	Oct 26, 2021
Instrument	2021043696

Lender

Name	FIRST NATIONAL BANK TEXAS
Type	Bank
Address	KILLEEN, TX 76542

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Dec 26, 2019
Property Address	2109 HORNE CIR, WACO, TX 76705-2765
Document Number	0000042443
Map Reference	VOL 954 PG 287
Instrument Date	Dec 20, 2019
Instrument	2019042443
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 HORNE CIR, WACO, TX 76705-2765

Mortgage

Document Number	0000042444
Date	Dec 26, 2019
Instrument	2019042444

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Nov 27, 2018
Property Address	2109 HORNE CIR, WACO, TX 76705-2765
Document Number	0000041090
Instrument Date	Nov 19, 2018
Instrument	41090
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 BOULDER CREEK DR DESOTO TX 751155322, DESOTO, TX 75115-5322

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		$210,746 (+1%)	$378,601 (-0.78%) Land $21,757 Building $356,844
2025	$2,081.00 (-0.72%) Homeowner's exemption	$191,587 (-37.33%) Land $19,910 Building $361,680	$381,590 (+24.82%) Land $19,910 Building $361,680
2024	$2,096.00 (+12.03%)
2023		$305,720 Land $19,910 Building $285,810	$305,720 Land $19,910 Building $285,810
2022	$1,871.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 48 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 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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