281 Winding Oaks Dr, Waco, TX 76705 Property Records

McLennan County property record for 281 Winding Oaks Dr, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,030 sqft · built 2004
Lot Size	2.18 acres (94,961 sqft)
Owner	2 Individual Names on Record
Last Sale	$107,100 (Feb 2016)
Tax Bill	$1,667 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-000901-000207-9`

Property Details

APN / Parcel Number

Primary APN	`20-000901-000207-9`
Alternative APNs	`2000090100020790101` `110999`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,030 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	2,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	94,961 sqft
Lot Dimensions	661 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	475 sqft
Canopy	768 sqft
Storage Building	240 sqft
Utility Building	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	281 WINDING OAKS DR
City	WACO
State	TX
Zip	76705-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	DEER CREEK LOT 7 BLOCK 2 ACRES 2.18
Legal Subdivision	DEER CREEK
Legal Block	2
Legal Lot Number	7
Jurisdiction	MCLENNAN TX
Township / Civil Division	ELM MOTT
Census Block Group	2
Census Block	2009
Census Tract	3402

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	281 WINDING OAKS DR, WACO, TX 76705-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2016 · Amount on Record
Deed Sale	Feb 10, 2016 · Amount on Record
Deed Document Number	20164216
Prior Transfer Date	Feb 9, 2016
Prior Transfer Doc	0000004216
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	281 WINDING OAKS DR, WACO, TX 76705-5203
Document Number	0000042306
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	281 WINDING OAKS DR WACO TX 767055203, WACO, TX 76705-5203

Mortgage

Document Number	0000042306
Date	Nov 25, 2020
Instrument	42306

Lender

Name	CRESCENT MTG
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2050

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Connally Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$327,501 (-10.52%) Land $89,179 Building $238,322	$327,501 (-13.38%) Land $89,179 Building $238,322
2025	$1,667.00 (-26.53%) Homeowner's exemption Senior Citizen's exemption	$366,025 (-13.16%) Land $74,040 Building $304,070	$378,110 (-10.29%) Land $74,040 Building $304,070
2024	$2,269.00 (+5.68%)
2023		$421,500 Land $74,040 Building $347,460	$421,500 Land $74,040 Building $347,460
2022	$2,147.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2015)
Most Recent Claim	Oct 2015 · rainfall accumulation

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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 82 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
T-Mobile Fixed Wireless	100 / 20