McLennan County property record for 230 Winding Oaks Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,311 sqft · built 1998 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,668 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-000901-000105-9 |
| Primary APN | 20-000901-000105-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,311 sqft Living Area |
| Gross Area | 3,161 sqft |
| 1st Floor Area | 2,311 sqft |
| Flooring | Carpet |
| 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 | 43,560 sqft |
| Lot Dimensions | 373 ft deep x 117 ft wide |
| Garage Type | Attached |
| Garage Area | 850 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 3,780 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 662 sqft |
| Patio Area | 525 sqft |
| Gazebo | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 230 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 5 BLOCK 1 ACRES 1.0 |
| Legal Subdivision | DEER CREEK |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | ELM MOTT |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 3402 |
230 Winding Oaks Dr is owned and occupied by two individuals who acquired it in August 2026.
Source: McLennan County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5837 TORY DR, GRAND PRAIRIE, TX 75052-8500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 17, 2026 | Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 16, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST CTRL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 13, 2026 |
| Transfer Doc | 0000026352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Aug 17, 2026 |
| Property Address | 230 WINDING OAKS DR, WACO, TX 76705-5203 |
| Document Number | 0000026352 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 202626352 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 5837 TORY DR, GRAND PRAIRIE, TX 75052-8500 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 230 WINDING OAKS DR, WACO, TX 76705-5203 |
| Document Number | 0000042825 |
| Instrument Date | Oct 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 230 WINDING OAKS DR WACO TX 767055203, WACO, TX 76705-5203 |
| Document Number | 0000042825 |
|---|---|
| Date | Dec 12, 2018 |
| Instrument | 42825 |
| Name | FIRST CTRL CU |
|---|---|
| Type | Credit Union |
| Address | WACO, TX 76710 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Dec 11, 2025 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 230 Winding Oaks Dr was $1,668 with exemptions applied, down 23.1% 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 | $539,912 (+1%) | $557,328 (+6.3%) Land $58,800 Building $498,528 | |
| 2025 | $1,668.00 (-23.1%) Homeowner's exemption Senior Citizen's exemption | $490,829 Land $49,770 Building $474,540 | $524,310 Land $49,770 Building $474,540 |
| 2024 | $2,169.00 | ||
| 2023 | $577,360 Land $49,770 Building $527,590 | $577,360 Land $49,770 Building $527,590 | |
| 2022 | $2,008.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 230 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 230 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 |
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