McLennan County property record for 2728 Cumberland Ave, Waco, TX 76707
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,610 sqft · built 1935 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $193,282 (Jun 2026) |
| Tax Bill | $1,610 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-012200-012500-0 |
| Primary APN | 48-012200-012500-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,610 sqft Living Area |
| 1st Floor Area | 1,610 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,250 sqft (0.189 acres) |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Storage Building | 117 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2728 CUMBERLAND AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76707-1322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | DEAN LOT 10 BLOCK 8 ACRES .1894 |
| Legal Subdivision | DEAN |
| Legal Block | 8 |
| Legal Lot Number | 10 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 900 |
2728 Cumberland Ave is owned and occupied by an individual who bought it in June 2026.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2728 CUMBERLAND AVE, WACO, TX 76707-1322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on File |
| Deed Sale | Jun 17, 2026 · Amount on File |
| Prior Sale | Dec 1, 2022 |
| Deed Document Number | 202619345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 17, 2026 |
| Property Address | 2728 CUMBERLAND AVE, WACO, TX 76707-1322 |
| Document Number | 0000019345 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202619345 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2728 CUMBERLAND AVE, WACO, TX 76707-1322 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019346, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202619346 |
| Name | EVERETT FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000019347, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202619347 |
| Name | EVERETT FINANCIAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Jul 1, 2036 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 2728 Cumberland Ave was $1,610, down 25.6% from the year before.
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 | $196,980 (-5.72%) Land $24,008 Building $172,972 | $196,980 (-5.72%) Land $24,008 Building $172,972 | |
| 2025 | $1,610.00 (-25.57%) Homeowner's exemption Senior Citizen's exemption | $208,920 Land $21,780 Building $187,140 | $208,920 Land $21,780 Building $187,140 |
| 2024 | $2,163.00 | ||
| 2023 | $183,970 Land $21,780 Building $162,190 | $183,970 Land $21,780 Building $162,190 | |
| 2022 | $1,797.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2728 Cumberland Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2728 Cumberland Ave is low, with less than a 0.01% annual chance of 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.
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 484 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 |
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