McLennan County property record for 2826 Cole Ave, Waco, TX 76707
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,695 sqft · built 1925 |
| Lot Size | 0.284 acres (12,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $294,000 (Oct 2024) |
| Tax Bill | $3,770 (2025) |
| Deeds & Mortgages | Mar 2017 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-019900-024300-3 |
| Primary APN | 48-019900-024300-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,695 sqft Living Area |
| Gross Area | 2,885 sqft |
| 1st Floor Area | 1,695 sqft |
| 2nd Floor Area | 1,000 sqft |
| Flooring | Wood |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,375 sqft (0.284 acres) |
| Lot Dimensions | 165 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 32 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 382 sqft |
| Deck Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2826 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 6B 7 BLOCK 21 ACRES .2841 |
| Legal Subdivision | GINOCCHIO |
| Legal Block | 21 |
| Legal Lot Number | 6B |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800 |
2826 Cole Ave is owned and occupied by two individuals who bought it in October 2024.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2826 COLE AVE, WACO, TX 76707-2647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Mar 14, 2017 | Deed of Trust, Mortgage · Line of Credit GATEWAY MORTGAGE GROUP LLC |
| Jun 5, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GATEWAY FIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2024 · Amount on File |
| Deed Sale | Oct 3, 2024 · Amount on File |
| Prior Sale | Jun 29, 2012 · Amount on File |
| Deed Document Number | 202438021 |
| Prior Transfer Date | Jun 28, 2012 |
| Prior Transfer Doc | 0000019567 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2826 COLE AVE, WACO, TX 76707-2647 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007905 |
|---|---|
| Date | Mar 14, 2017 |
| Instrument | 2017007905 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | TULSA, OK 74105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2826 COLE AVE, WACO, TX 76707-2647 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018299 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 2020018299 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | GLENCOE, OK 74032 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
The 2025 property tax bill for 2826 Cole Ave was $3,770, up 51.8% 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 | $216,191 (-18.75%) Land $29,329 Building $186,862 | $216,191 (-18.75%) Land $29,329 Building $186,862 | |
| 2025 | $3,770.00 (+51.83%) | $266,070 Land $26,730 Building $239,340 | $266,070 Land $26,730 Building $239,340 |
| 2024 | $2,483.00 | ||
| 2023 | $256,040 Land $26,730 Building $229,310 | $256,040 Land $26,730 Building $229,310 | |
| 2022 | $2,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2826 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 risk around 2826 Cole Ave is low, with 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 95% of the US · lower than 97.6% of Texas |
|---|---|
| Wildfire Likelihood | 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 671 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 | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures