2804 Summer Ave, Waco, TX 76708 Property Records

McLennan County property record for 2804 Summer Ave, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,058 sqft · built 1949
Lot Size	0.194 acres (8,470 sqft)
Owner	Company Name on File
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Jan 2020 Loan Modification Dec 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48-005100-002400-5`

Property Details

APN / Parcel Number

Primary APN	`48-005100-002400-5`
Alternative APNs	`4800510000240050111` `164688`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,058 sqft Living Area
1st Floor Area	1,058 sqft
Flooring	Wood

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1980
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	8,470 sqft (0.194 acres)
Lot Dimensions	166 ft deep x 51 ft wide
Garage Type	Carport
Garage Area	130 sqft
Carport	Carport
Carport Area	130 sqft
Driveway	Concrete Driveway
Driveway Area	128 sqft
Porch	Open Porch
Porch Area	140 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2804 SUMMER AVE
City	WACO
State	TX
Zip	76708-2445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	BLAIZE-FRAZIER LOT 5 BLOCK 3 ACRES .1944
Legal Subdivision	BLAIZE-FRAZIER
Legal Block	3
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1006
Census Tract	900

Owner

Source: McLennan County assessment roll, as of September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5900 BALCONES DR, 19916, AUSTIN, TX 78731-4257
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 1, 2020	Loan Modification, Mortgage FIDELITY BK/TX
Dec 15, 2019	Loan Modification, Mortgage FIDELITY BK/TX
Jan 1, 2018	Loan Modification, Mortgage FIDELITY BK/TX
Dec 2, 2016	Loan Modification, Mortgage FIDELITY BK/TX
Dec 2, 2016	Loan Modification, Mortgage FIDELITY BK/TX

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2014
Deed Sale	Sep 17, 2014
Prior Sale	Apr 9, 2014 · Amount on Record
Deed Document Number	201428109
Prior Transfer Date	Apr 1, 2013
Prior Transfer Doc	0000009870
Record Updated	Sep 20, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2804 SUMMER AVE, WACO, TX 76708-2445
Document Number	0000001126
Instrument Date	Jan 1, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1401 LAKE AIR DR WACO TX 767104423, WACO, TX 76710-4423

Mortgage

Document Number	0000001126
Date	Jan 13, 2020
Instrument	1126

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 12, 2021

Interest

Rate	5.25%

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2804 SUMMER AVE, WACO, TX 76708-2445
Document Number	0000042756
Instrument Date	Dec 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 LAKE AIR DR WACO TX 767104423, WACO, TX 76710-4423

Mortgage

Document Number	0000042756
Date	Dec 30, 2019
Instrument	42756

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76710-4423

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 29, 2029

Interest

Rate	5.25%

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2804 SUMMER AVE, WACO, TX 76708-2445
Document Number	0000002598
Instrument Date	Jan 1, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8825 WACO TX 767148825, WACO, TX 76714-8825

Mortgage

Document Number	0000002598
Date	Jan 26, 2018
Instrument	2598

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 25, 2019

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2804 SUMMER AVE, WACO, TX 76708-2445
Document Number	0000000571
Instrument Date	Dec 2, 2016
Transaction Type	Mortgage
Record Updated	Jan 18, 2017
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8825 WACO TX 767148825, WACO, TX 76714-8825

Mortgage

Document Number	0000000571
Date	Jan 9, 2017
Instrument	571

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 8, 2018

Interest

Rate	5.25%

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	2804 SUMMER AVE, WACO, TX 76708-2445
Document Number	0000000596
Instrument Date	Dec 2, 2016
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8825 WACO TX 767148825, WACO, TX 76714-8825
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000596
Date	Jan 9, 2017
Instrument	596

Lender

Name	FIDELITY BK/TX
Type	Bank
Address	WACO, TX 76708

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 8, 2037

Interest

Rate	5.25%

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of September 9, 2025

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
2025	$1,798.00 (-0.33%)	$80,000 (-19.15%) Land $19,570 Building $60,430	$80,000 (-19.15%) Land $19,570 Building $60,430
2024	$1,804.00 (-18.67%)
2023		$98,948 Land $19,570 Building $79,378	$98,948 Land $19,570 Building $79,378
2022	$2,218.00

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

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

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	0.01% annual chance
Exposure	None beyond ember reach

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 704 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Radiate Holdings Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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