295 Penny Ln, Mc Gregor, TX 76657 Property Records

McLennan County property record for 295 Penny Ln, Mc Gregor, TX 76657

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,664 sqft · built 1976
Lot Size	0.667 acres (29,072 sqft)
Owner	Individual Name on Record
Last Sale	$707,500 (Jun 2021)
Tax Bill	$6,048 (2025)
Deeds & Mortgages	Mar 2026 Sale Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-231000-007800-2`

Property Details

APN / Parcel Number

Primary APN	`36-231000-007800-2`
Alternative APNs	`3623100000780020111` `143678`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,664 sqft Living Area
Gross Area	3,262 sqft
1st Floor Area	1,934 sqft
Upper Floors Area	730 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1989
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Wood Shingle
Lot Area	29,072 sqft (0.667 acres)
Lot Dimensions	164 ft deep x 187 ft wide
Garage Type	Attached
Garage Area	598 sqft
Driveway	Concrete Driveway
Driveway Area	1,000 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	495 sqft
Patio Area	250 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	295 PENNY LN
City	MCGREGOR
State	TX
Zip	76657-9516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HARRIS CREEK CTRY EST LOT 1 BLOCK 6 ACRES .6674
Legal Subdivision	HARRIS CREEK CTRY EST
Legal Block	6
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	MCGREGOR
Census Block Group	2
Census Block	2012
Census Tract	3901

Owner

Source: McLennan County records, as of August 25, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	295 PENNY LN, MCGREGOR, TX 76657-9516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Vendor's Lien, Transfer ALAMO TITLE COMPANY
Jun 1, 2021	Vendor's Lien, Transfer · Conventional Mortgage PROSPERITY BANK
Oct 31, 2019	Trustee's Deed, Construction Loan · Construction Mortgage 1ST UNIV CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	May 17, 2016 · Amount on Record
Deed Document Number	202120987
Prior Transfer Date	May 28, 2021
Prior Transfer Doc	0000020987
Record Updated	Oct 29, 2026

March 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 12, 2026
Property Address	295 PENNY LN, MCGREGOR, TX 76657-9516
Document Number	0000007697
Map Reference	DOC 2016037963
Instrument Date	Mar 11, 2026
Instrument	2026007697
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2716 SKINNER DR, LORENA, TX 76655-3978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 PENNY LN, MCGREGOR, TX 76657-9516

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jun 1, 2021
Property Address	295 PENNY LN, MCGREGOR, TX 76657-9516
Document Number	0000020987
Map Reference	VOL 1136 PG 144
Instrument Date	May 28, 2021
Instrument	2021020987
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 PENNY LN, MCGREGOR, TX 76657-9516
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020988
Date	Jun 1, 2021
Instrument	2021020988

Lender

Name	PROSPERITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 31, 2019
Property Address	295 PENNY LN, MC GREGOR, TX 76657-9516
Instrument Date	Oct 25, 2019
Instrument	36384
Transaction Type	Construction Loan
Record Updated	Nov 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	295 PENNY LN MC GREGOR TX 766579516, MC GREGOR, TX 76657-9516

Mortgage

Document Number	0000036384
Date	Oct 31, 2019
Instrument	36384

Lender

Name	1ST UNIV CU
Address	WACO, TX 76706

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%

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	Midway Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$406,808 (+5.11%) Land $48,550 Building $358,258	$406,808 (-15.49%) Land $48,550 Building $358,258
2025	$6,048.00 (+16.89%) Homeowner's exemption	$387,020 (+22.86%) Land $44,190 Building $437,180	$481,370 (+52.82%) Land $44,190 Building $437,180
2024	$5,174.00 (-0.4%)
2023		$315,000 Land $38,380 Building $276,620	$315,000 Land $38,380 Building $276,620
2022	$5,195.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2024 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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