212 Waters St, Waco, TX 76704 Property Records

McLennan County property record for 212 Waters St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,690 sqft · built 1961
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,572 (Aug 2020)
Tax Bill	$4,753 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`48-035202-003800-0`

Property Details

APN / Parcel Number

Primary APN	`48-035202-003800-0`
Alternative APNs	`4803520200380000111` `188020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area
1st Floor Area	1,690 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Lot Dimensions	145 ft deep x 55 ft wide
Driveway	Driveway
Driveway Area	290 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	101 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	212 WATERS ST
City	WACO
State	TX
Zip	76704-1452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS NO 2 LOT 13 BLOCK 4 ACRES .26
Legal Subdivision	RIVER OAKS NO 2
Legal Block	4
Legal Lot Number	13
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2012
Census Tract	1401

Owner

Source: McLennan County records, as of August 25, 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 Record
Mailing Address	212 WATERS ST, WACO, TX 76704-1452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Construction Mortgage SOUTHWEST REMODELING COMPANY INC
Aug 25, 2020	Vendor's Lien, Transfer · FHA Mortgage HANCOCK MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	202029630
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Aug 17, 2026
Property Address	212 WATERS ST, WACO, TX 76704-1452
Document Number	0000026325
Instrument Date	Aug 12, 2026
Instrument	202626325
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 WATERS ST, WACO, TX 76704-1452

Mortgage

Document Number	0000026325,
Date	Aug 17, 2026
Instrument	202626325

Lender

Name	SOUTHWEST REMODELING COMPANY INC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Aug 25, 2020
Property Address	212 WATERS ST, WACO, TX 76704-1452
Document Number	0000029630
Map Reference	VOL 792 PG 550
Instrument Date	Aug 24, 2020
Instrument	2020029630
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	212 WATERS ST, WACO, TX 76704-1452

Mortgage

Document Number	0000029631
Date	Aug 25, 2020
Instrument	2020029631

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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		$208,824 (-1.23%) Land $17,780 Building $191,044	$208,824 (-1.23%) Land $17,780 Building $191,044
2025	$4,753.00 (+2.63%)	$211,430 (+23.56%) Land $16,190 Building $195,240	$211,430 (+23.56%) Land $16,190 Building $195,240
2024	$4,631.00 (+20.72%)
2023		$171,120 Land $16,190 Building $154,930	$171,120 Land $16,190 Building $154,930
2022	$3,836.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 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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