28 Independence Trl, Waco, TX 76708 Property Records

McLennan County property record for 28 Independence Trl, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,661 sqft · built 2019
Lot Size	2.66 acres (116,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$571,500 (Jul 2020)
Tax Bill	$15,800 (2025)
Deeds & Mortgages	Jul 2023 Sale Oct 2019 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`18-000300-000129-0`

Property Details

APN / Parcel Number

Primary APN	`18-000300-000129-0`
Alternative APN	`333414`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,661 sqft Living Area
Gross Area	5,036 sqft
1st Floor Area	2,459 sqft
2nd Floor Area	1,202 sqft
Flooring	Carpet

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	116,192 sqft
Garage Type	Attached
Garage Area	1,375 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	694 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28 INDEPENDENCE TRL
City	WACO
State	TX
Zip	76708-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	AUSTIN COLONY ADDN PUD LOT 29 BLOCK 1 ACRES 2.6674
Legal Subdivision	AUSTIN COLONY ADDN PUD
Legal Block	1
Legal Lot Number	29
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2000
Census Tract	4105

Owner

Source: McLennan County records, as of August 24, 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	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Warranty Deed, Transfer ALAMO TITLE COMPANY
Oct 22, 2019	Deed of Trust, Mortgage FIRST NATIONAL BANK OF CENTRAL TX
Jul 17, 2020	Deed of Trust, Mortgage SWBC MTG
May 15, 2018	Warranty Deed, Transfer FIRST NATIONAL BANK OF CENTRAL TX
Feb 17, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK
Aug 17, 2017	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	202024215
Prior Transfer Date	Aug 17, 2016
Prior Transfer Doc	0000026842
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 27, 2023
Property Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Document Number	0000023462
Map Reference	VOL 55 PG 105
Instrument Date	Jul 26, 2023
Instrument	2023023462
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5815 REIGER AVE, DALLAS, TX 75214-4719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035323
Date	Oct 22, 2019
Instrument	2019035323

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank
Address	WACO, TX 76702

Agreement

Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Document Number	0000024270
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 INDEPENDENCE TRL WACO TX 76708, WACO, TX 76708

Mortgage

Document Number	0000024270
Date	Jul 20, 2020
Instrument	24270

Lender

Name	SWBC MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 15, 2018
Property Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Document Number	0000016000
Map Reference	FILE2005004493
Instrument Date	May 11, 2018
Instrument	2018016000
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1341 WESTERN OAKS DR, WOODWAY, TX 76712-2331

Mortgage

Document Number	0000016001
Date	May 15, 2018
Instrument	2018016001

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank

Agreement

Amount	Amount Recorded

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Document Number	0000005430
Instrument Date	Feb 17, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8421 JONQUIL WACO TX 767085725, WACO, TX 76708-5725

Mortgage

Document Number	0000005430
Date	Feb 21, 2018
Instrument	5430

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Term	12 Months
Due	Feb 20, 2019

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	28 INDEPENDENCE TRL, WACO, TX 76708-9603
Document Number	0000028547
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8421 JONQUIL WACO TX 767085725, WACO, TX 76708-5725

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	China Spring Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$868,000 (+0.93%) Land $103,603 Building $764,397	$868,000 (+0.93%) Land $103,603 Building $764,397
2025	$15,800.00 (+2.48%) Homeowner's exemption	$860,000 (+4.65%) Land $92,570 Building $767,430	$860,000 (+4.65%) Land $92,570 Building $767,430
2024	$15,418.00 (+10.94%)
2023		$821,810 Land $92,570 Building $729,240	$821,810 Land $92,570 Building $729,240
2022	$13,898.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 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	Moderate above 53% of the US · lower than 70% of Texas
Wildfire Likelihood	0.1% 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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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