2521 S 3rd St, Waco, TX 76706 Property Records

McLennan County property record for 2521 S 3rd St, Waco, TX 76706

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 2,700 sqft · built 2005
Lot Size	0.166 acres (7,221 sqft)
Owner	Company Name on Record
Last Sale	$345,800 (Jun 2022)
Tax Bill	$8,347 (2025)
Deeds & Mortgages	May 2025 Mortgage Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-042323-000103-0`

Property Details

APN / Parcel Number

Primary APN	`48-042323-000103-0`
Alternative APN	`335196`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,700 sqft Living Area
Gross Area	3,520 sqft
1st Floor Area	981 sqft
2nd Floor Area	1,719 sqft
Flooring	Carpet

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,221 sqft (0.166 acres)
Lot Dimensions	115 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	820 sqft
Driveway	Concrete Driveway
Driveway Area	2,020 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2521 S 3RD ST
City	WACO
State	TX
Zip	76706-6449
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	O2
Legal Description	UNIVERSITY WOODS LOT 3 BLOCK 1 ACRES .1658
Legal Subdivision	UNIVERSITY WOODS
Legal Block	1
Legal Lot Number	3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2013
Census Tract	200

Owner

Source: McLennan County records, as of August 24, 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	Company Name on Record
Mailing Address	1468 WINCHESTER DR, MOODY, TX 76557-4166
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
Jan 3, 2024	Special Warranty Deed, Transfer
Jun 3, 2022	Vendor's Lien, Transfer · Line of Credit FIRST NATIONAL BANK OF CENTRAL TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Dec 20, 2016 · Amount on Record
Deed Document Number	202222372
Last Transfer Date	Jan 2, 2024
Transfer Doc	0000000257
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	2521 S 3RD ST, WACO, TX 76706-6449
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016383
Date	May 30, 2025
Instrument	2025016383

Lender

Name	CENTRAL NATIONAL BANK
Type	Bank
Address	WOODWAY, TX 76712

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jan 3, 2024
Property Address	2521 S 3RD ST, WACO, TX 76706-6449
Document Number	0000000257
Map Reference	DOC 2005015255
Instrument Date	May 22, 2023
Instrument	2024000257
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1468 WINCHESTER DR, MOODY, TX 76557-4166

June 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jun 3, 2022
Property Address	2521 S 3RD ST, WACO, TX 76706-6449
Document Number	0000022372
Map Reference	DOC 005015255
Instrument Date	Jun 2, 2022
Instrument	2022022372
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 RANCHO LORENA DR, LORENA, TX 76655-3556

Mortgage

Document Number	0000022373
Date	Jun 3, 2022
Instrument	2022022373

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$369,516 (-10.6%) Land $55,914 Building $313,602	$369,516 (-10.6%) Land $55,914 Building $313,602
2025	$8,347.00 (+19.6%)	$413,320 (+30.88%) Land $55,910 Building $357,410	$413,320 (+30.88%) Land $55,910 Building $357,410
2024	$6,979.00 (-1.41%)
2023		$315,800 Land $55,910 Building $259,890	$315,800 Land $55,910 Building $259,890
2022	$7,079.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
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
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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