McLennan County property record for 2404 Clay Ave, Waco, TX 76706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,225 sqft · built 1945 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,040 (Apr 2024) |
| Tax Bill | $4,841 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-003700-018600-5 |
| Primary APN | 48-003700-018600-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| 1st Floor Area | 1,225 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,250 sqft (0.189 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 504 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,040 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2404 CLAY AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76706-2730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | BELL J D LOT 2 BLOCK 17 ACRES .1894 |
| Legal Subdivision | BELL J D |
| Legal Block | 17 |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 598 |
Source: McLennan County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING |
| Apr 11, 2024 | Vendor's Lien, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Jan 23, 2024 | Deed of Trust, Mortgage · Line of Credit GARTHOK LENDING LLC |
| Nov 21, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage CYNTHIA M WALKER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2024 · Amount on Record |
| Deed Sale | Apr 11, 2024 · Amount on Record |
| Prior Sale | May 16, 2023 |
| Deed Document Number | 202410673 |
| Prior Transfer Date | Feb 13, 2015 |
| Prior Transfer Doc | 0000004430 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 19, 2026 |
| Property Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Document Number | 0000015798 |
| Instrument Date | May 9, 2026 |
| Instrument | 202615798 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Document Number | 0000015798, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 202615798 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Apr 11, 2024 |
| Property Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Document Number | 0000010673 |
| Map Reference | VOL 242 PG 318 |
| Instrument Date | Apr 4, 2024 |
| Instrument | 2024010673 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Document Number | 0000010674 |
|---|---|
| Date | Apr 11, 2024 |
| Instrument | 2024010674 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2024 |
| Title Company | NOT AVAILABLE, FTC |
| Name | Verified Name |
|---|
| Document Number | 0000002131 |
|---|---|
| Date | Jan 23, 2024 |
| Instrument | 2024002131 |
| Name | GARTHOK LENDING LLC |
|---|---|
| Address | MCALLEN, TX 78504 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Nov 21, 2019 |
| Property Address | 2404 CLAY AVE, WACO, TX 76706-2730 |
| Instrument Date | Nov 4, 2019 |
| Instrument | 38937 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3112 # 19TH WACO TX 76708, WACO, TX 76708 |
| Document Number | 0000038937 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 38937 |
| Name | CYNTHIA M WALKER |
|---|---|
| Address | 2107 SKYLARK, WACO, TX 76708 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 20, 2020 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,419 (-6.92%) Land $19,883 Building $180,536 | $200,419 (-6.92%) Land $19,883 Building $180,536 | |
| 2025 | $4,841.00 (+78.63%) | $215,320 (+60.17%) Land $18,070 Building $197,250 | $215,320 (+60.17%) Land $18,070 Building $197,250 |
| 2024 | $2,710.00 (-10.06%) | ||
| 2023 | $134,430 Land $18,070 Building $116,360 | $134,430 Land $18,070 Building $116,360 | |
| 2022 | $3,013.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.3% of Texas |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 568 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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