2812 Cole Ave, Waco, TX 76707 Property Records

McLennan County property record for 2812 Cole Ave, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,188 sqft · built 1923
Lot Size	0.379 acres (16,500 sqft)
Owner	Individual Name on File
Tax Bill	$2,069 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-019900-024100-0`

Property Details

APN / Parcel Number

Primary APN	`48-019900-024100-0`
Alternative APNs	`4801990002410000111` `174465`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,188 sqft Living Area
1st Floor Area	2,188 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1958
Exterior Material	Wood
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
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Driveway	Asphalt Driveway
Driveway Area	880 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	120 sqft
Patio Area	160 sqft
Storage Building	63 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	2812 COLE AVE
City	WACO
State	TX
Zip	76707-2647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GINOCCHIO LOT 3 4 BLOCK 21 ACRES .3788
Legal Subdivision	GINOCCHIO
Legal Block	21
Legal Lot Number	3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1008
Census Tract	800

Owner

2812 Cole Ave is owned and occupied by an individual.

Source: McLennan County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	2812 COLE AVE, WACO, TX 76707-2647
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2020	Deed of Trust, Mortgage ASPERLAND LLC
Nov 26, 2018	Warranty Deed, Transfer BUCKHOLTS ST BK
Sep 25, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	2812 COLE AVE, WACO, TX 76707-2647
Document Number	0000005401
Instrument Date	Jan 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 404 BUDA TX 786100404, BUDA, TX 78610-0404

Mortgage

Document Number	0000005401
Date	Feb 17, 2020
Instrument	5401

Lender

Name	ASPERLAND LLC
Address	1301 LEAH LN, ROUND ROCK, TX 78665-7841

Agreement

Amount	Amount on Record

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Nov 26, 2018
Property Address	2812 COLE AVE, WACO, TX 76707-2647
Document Number	0000040879
Instrument Date	Nov 15, 2018
Instrument	40879
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	FIRST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 404 BUDA TX 786100404, BUDA, TX 78610-0404

Mortgage

Document Number	40880
Date	Nov 26, 2018
Instrument	40880

Lender

Name	BUCKHOLTS ST BK
Type	Bank
Address	BUCKHOLTS, TX 76518

Agreement

Amount	Amount on Record

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 25, 2017
Property Address	2812 COLE AVE, WACO, TX 76707-2647
Document Number	0000031704
Instrument Date	Feb 17, 2013
Instrument	31704
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 VILLAGE DR GUYTON GA 313124964, GUYTON, GA 31312-4964

Tax Assessment & Valuation

The 2025 property tax bill for 2812 Cole Ave was $2,069 with a homeowner's exemption, down 20.4% from the year before.

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	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$186,724 (+8.72%) Land $32,175 Building $154,549	$186,724 (+8.72%) Land $32,175 Building $154,549
2025	$2,069.00 (-20.36%) Homeowner's exemption	$171,740 Land $29,210 Building $142,530	$171,740 Land $29,210 Building $142,530
2024	$2,598.00
2023		$223,770 Land $29,210 Building $194,560	$223,770 Land $29,210 Building $194,560
2022	$3,357.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2812 Cole Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · river or lake flooding

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

Wildfire risk around 2812 Cole 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 99.1% of the US · lower than 99.3% 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.

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 562 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
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband, T-Mobile.

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