McLennan County property record for 2737 Cumberland Ave, Waco, TX 76707
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,360 sqft · built 1939 |
| Lot Size | 0.379 acres (16,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $632,149 (Feb 2026) |
| Tax Bill | $8,470 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-012200-014600-5 |
| Primary APN | 48-012200-014600-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,360 sqft Living Area |
| Gross Area | 3,530 sqft |
| 1st Floor Area | 2,226 sqft |
| 2nd Floor Area | 1,134 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 16,500 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Concrete Driveway |
| Driveway Area | 150 sqft |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 258 sqft |
| Patio Area | 540 sqft |
| Storage Building | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2737 CUMBERLAND AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76707-1321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | DEAN LOT 11 12 BLOCK 9 ACRES .3788 |
| Legal Subdivision | DEAN |
| Legal Block | 9 |
| Legal Lot Number | 11 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 900 |
2737 Cumberland Ave is owned by two individuals who bought it in February 2026.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9711 HALIFAX DR, AUSTIN, TX 78753-4620 |
| 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.
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Sep 3, 2021 | Vendor's Lien, Transfer · Conventional Mortgage EDUCATORS CU |
| Apr 20, 2021 | Vendor's Lien, Transfer · VA Mortgage GATEWAY FIRST BANK |
| Jan 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRSTMARK CU |
| Dec 6, 2016 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on File |
| Deed Sale | Feb 25, 2026 · Amount on File |
| Prior Sale | Sep 3, 2021 · Amount on File |
| Deed Document Number | 20265957 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | FTC |
| Name | Verified Name |
|---|---|
| Address | 9711 HALIFAX DR, AUSTIN, TX 78753-4620 |
| Document Number | 0000005958 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026005958 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Sep 3, 2021 |
| Property Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Document Number | 0000035913 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 2021035913 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Document Number | 0000035914 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 2021035914 |
| Name | EDUCATORS CU |
|---|---|
| Type | Credit Union |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Apr 20, 2021 |
| Property Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Document Number | 0000014904 |
| Map Reference | VOL 232 PG 212 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 2021014904 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Document Number | 0000014905 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 2021014905 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000128 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 2021000128 |
| Name | FIRSTMARK CU |
|---|---|
| Type | Credit Union |
| Address | SAN ANTONIO, TX 78270 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 18, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2737 CUMBERLAND AVE, WACO, TX 76707-1321 |
| Document Number | 0000001595 |
| Instrument Date | Dec 6, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2737 CUMBERLAND AVE WACO TX 767071321, WACO, TX 76707-1321 |
| Document Number | 0000001595 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | 1595 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2737 Cumberland Ave was $8,470, down 16.7% 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 | $485,237 (-) Land $29,210 Building $456,027 | $485,237 (-) Land $29,210 Building $456,027 | |
| 2025 | $8,470.00 (-16.65%) Homeowner's exemption | $485,237 Land $29,210 Building $456,027 | $485,237 Land $29,210 Building $456,027 |
| 2024 | $10,162.00 | ||
| 2023 | $506,100 Land $29,210 Building $476,890 | $506,100 Land $29,210 Building $476,890 | |
| 2022 | $9,280.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2737 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 2737 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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