2324 Cole Ave, Waco, TX 76707 Property Records

McLennan County property record for 2324 Cole Ave, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,534 sqft · built 1915
Lot Size	0.2 acres (8,700 sqft)
Owner	Company Name on Record
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Jan 2020 Loan Modification Dec 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48-019900-003200-7`

Property Details

APN / Parcel Number

Primary APN	`48-019900-003200-7`
Alternative APNs	`4801990000320070111` `174283`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,534 sqft Living Area
Gross Area	1,606 sqft
1st Floor Area	1,534 sqft
Flooring	Wood

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Wood
Construction Type	Frame
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,700 sqft (0.2 acres)
Lot Dimensions	116 ft deep x 75 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	274 sqft
Storage Building	24 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	2324 COLE AVE
City	WACO
State	TX
Zip	76707-2848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GINOCCHIO LOT 6B 7 BLOCK 4 ACRES .1997
Legal Subdivision	GINOCCHIO
Legal Block	4
Legal Lot Number	6B
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3019
Census Tract	700

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	Company Name on Record
Mailing Address	2012 LAKE AIR DR, F, WACO, TX 76710-7902
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 1, 2020	Loan Modification, Mortgage FIDELITY BK/TX
Dec 15, 2019	Loan Modification, Mortgage FIDELITY BK/TX
Jan 1, 2018	Loan Modification, Mortgage FIDELITY BK/TX
Dec 2, 2016	Loan Modification, Mortgage FIDELITY BK/TX
Dec 2, 2016	Loan Modification, Mortgage FIDELITY BK/TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2008
Deed Sale	Apr 30, 2008
Prior Sale	Apr 30, 2008
Deed Document Number	200813717
Prior Transfer Date	Jun 2, 2005
Prior Transfer Doc	0000020861
Record Updated	Oct 29, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2324 COLE AVE, WACO, TX 76707-2848
Document Number	0000001126
Instrument Date	Jan 1, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1401 LAKE AIR DR WACO TX 767104423, WACO, TX 76710-4423

Mortgage

Document Number	0000001126
Date	Jan 13, 2020
Instrument	1126

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 12, 2021

Interest

Rate	5.25%

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2324 COLE AVE, WACO, TX 76707-2848
Document Number	0000042806
Instrument Date	Dec 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1401 LAKE AIR DR WACO TX 767104423, WACO, TX 76710-4423

Mortgage

Document Number	0000042806
Date	Dec 30, 2019
Instrument	42806

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Dec 29, 2020

Interest

Rate	5.25%

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2324 COLE AVE, WACO, TX 76707-2848
Document Number	0000002598
Instrument Date	Jan 1, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8825 WACO TX 767148825, WACO, TX 76714-8825

Mortgage

Document Number	0000002598
Date	Jan 26, 2018
Instrument	2598

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 25, 2019

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2324 COLE AVE, WACO, TX 76707-2848
Document Number	0000000571
Instrument Date	Dec 2, 2016
Transaction Type	Mortgage
Record Updated	Jan 18, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8825 WACO TX 767148825, WACO, TX 76714-8825

Mortgage

Document Number	0000000571
Date	Jan 9, 2017
Instrument	571

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 8, 2018

Interest

Rate	5.25%

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2324 COLE AVE, WACO, TX 76707-2848
Document Number	0000000673
Instrument Date	Dec 2, 2016
Transaction Type	Mortgage
Record Updated	Jan 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8825 WACO TX 767148825, WACO, TX 76714-8825

Mortgage

Document Number	0000000673
Date	Jan 9, 2017
Instrument	673

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 8, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.25%

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		$125,000 (+41.88%) Land $25,056 Building $99,944	$125,000 (-) Land $25,056 Building $99,944
2025	$1,980.00 (+19.57%)	$88,104 (+49.33%) Land $22,790 Building $102,210	$125,000 (+111.86%) Land $22,790 Building $102,210
2024	$1,656.00 (+25.26%)
2023		$59,000 Land $19,840 Building $39,160	$59,000 Land $19,840 Building $39,160
2022	$1,322.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Central Link Broadband.

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