216 Waters St, Waco, TX 76704 Property Records

McLennan County property record for 216 Waters St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,127 sqft · built 1961
Lot Size	0.266 acres (11,587 sqft)
Owner	Individual Name on File
Last Sale	$158,602 (Sep 2020)
Tax Bill	$1,421 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Loan Modification
Flood Zone	Zone X (moderate risk)
APN	`48-035202-003700-4`

Property Details

APN / Parcel Number

Primary APN	`48-035202-003700-4`
Alternative APNs	`4803520200370040111` `188019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,127 sqft Living Area
Gross Area	1,392 sqft
1st Floor Area	1,127 sqft
Flooring	Carpet

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	159 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	265 sqft
Driveway	Concrete Driveway
Driveway Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	768 sqft
Storage Building	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	216 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 12 BLOCK 4 ACRES .266
Legal Subdivision	RIVER OAKS NO 2
Legal Block	4
Legal Lot Number	12
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2012
Census Tract	1401

Owner

216 Waters St is owned and occupied by an individual who bought it in September 2020.

Source: McLennan County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	216 WATERS ST, WACO, TX 76704-1452
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Warranty Deed, Transfer VERABANK NA
Oct 6, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Prior Sale	Oct 7, 2014 · Amount on File
Deed Document Number	202034743
Prior Transfer Date	Oct 6, 2014
Prior Transfer Doc	0000030407
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 30, 2020
Property Address	216 WATERS ST, WACO, TX 76704-1452
Document Number	0000034743
Instrument Date	Sep 30, 2020
Instrument	34743
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 WATERS ST WACO TX 767041452, WACO, TX 76704-1452

Mortgage

Document Number	34744
Date	Sep 30, 2020
Instrument	34744

Lender

Name	VERABANK NA
Address	HENDERSON, TX 75652

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2050

Interest

Rate Type	Adjustable Rate
Rate	7%

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	216 WATERS ST, WACO, TX 76704-1452
Document Number	0000034154
Instrument Date	Oct 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	216 WATERS ST WACO TX 767041452, WACO, TX 76704-1452

Mortgage

Document Number	0000034154
Date	Oct 10, 2019
Instrument	34154

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount on Record
Term	60 Months
Due	Oct 9, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 216 Waters St was $1,421 with a homeowner's exemption, down 22.1% from the year before.

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		$154,000 (+1%)	$168,475 (+20.34%) Land $17,960 Building $150,515
2025	$1,421.00 (-22.09%) Homeowner's exemption	$140,000 Land $16,340 Building $123,660	$140,000 Land $16,340 Building $123,660
2024	$1,824.00
2023		$139,540 Land $16,340 Building $123,200	$139,540 Land $16,340 Building $123,200
2022	$3,128.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 216 Waters St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 216 Waters St is low, with less than a 0.01% annual chance of 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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