2604 S 16th St, Waco, TX 76706 Property Records

McLennan County property record for 2604 S 16th St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 2001
Lot Size	0.192 acres (8,378 sqft)
Owner	2 Individual Names on File
Last Sale	$97,900 (Jun 2012)
Tax Bill	$2,645 (2025)
Deeds & Mortgages	Jun 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`48-030301-000900-0`

Property Details

APN / Parcel Number

Primary APN	`48-030301-000900-0`
Alternative APNs	`4803030100090000101` `182476`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Gross Area	1,989 sqft
1st Floor Area	1,428 sqft
Flooring	Carpet

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,378 sqft (0.192 acres)
Lot Dimensions	118 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	561 sqft
Driveway	Concrete Driveway
Driveway Area	800 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	148 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2604 S 16TH ST
City	WACO
State	TX
Zip	76706-3455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	MOSTYN-ROBERTS LOT 9 BLOCK 1 ACRES .1923
Legal Subdivision	MOSTYN-ROBERTS
Legal Block	1
Legal Lot Number	9
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1052
Census Tract	1900

Owner

2604 S 16th St is owned and occupied by two individuals who bought it in June 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	2604 S 16TH ST, WACO, TX 76706-3455
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2012 · Amount on File
Deed Sale	Jun 28, 2012 · Amount on File
Prior Sale	Jun 28, 2012 · Amount on File
Deed Document Number	201219561
Prior Transfer Date	Aug 19, 2001
Prior Transfer Doc	0000035351
Record Updated	Oct 29, 2026

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2604 S 16TH ST, WACO, TX 76706-3455
Document Number	0000020872
Instrument Date	Jun 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2604 S 16TH ST WACO TX 767063455, WACO, TX 76706-3455

Mortgage

Document Number	0000020872
Date	Jun 25, 2019
Instrument	20872

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76714

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jun 24, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 2604 S 16th St was $2,645 with a homeowner's exemption, down 0.4% 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		$205,228 (+2.28%) Land $23,794 Building $181,434	$205,228 (-0.96%) Land $23,794 Building $181,434
2025	$2,645.00 (-0.41%) Homeowner's exemption	$200,646	$207,210 Land $21,620 Building $185,590
2024	$2,656.00
2023		$194,900 Land $21,620 Building $173,280	$194,900 Land $21,620 Building $173,280
2022	$2,289.00

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

Flood

FEMA maps place 2604 S 16th St in Zone X, an area of minimal flood risk.

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 39 individual policies
Nearby Flood Policies	41 units insured incl. 2 condo units

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 2604 S 16th St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 97.4% 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Astound Broadband, AT&T, Pavlov Media.

Nearby Properties on S 16th St

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