3104 Gilchrist Dr, Lorena, TX 76655 Property Records

McLennan County property record for 3104 Gilchrist Dr, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,703 sqft · built 2018
Lot Size	0.179 acres (7,797 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2020)
Tax Bill	$6,388 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-252202-001631-0`

Property Details

APN / Parcel Number

Primary APN	`36-252202-001631-0`
Alternative APN	`381564`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,703 sqft Living Area
Gross Area	3,283 sqft
1st Floor Area	1,604 sqft
2nd Floor Area	1,099 sqft
Flooring	Wood

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	580 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3104 GILCHRIST DR
City	LORENA
State	TX
Zip	76655-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK MEADOWS ADDN PH 1-C LOT 31 BLOCK 16 ACRES .179
Legal Subdivision	PARK MEADOWS ADDN PH 1-C
Legal Block	16
Legal Lot Number	31
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2035
Census Tract	3708

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3104 GILCHRIST DR, LORENA, TX 76655-3946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Deed of Trust, Mortgage · ARM CU MEMBERS MORTGAGE
Dec 30, 2020	Vendor's Lien, Transfer · Conventional Mortgage EXTRACO BANKS NA
Sep 12, 2018	Vendor's Lien, Transfer CENTRAL NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Sep 12, 2018 · Amount on Record
Deed Document Number	202046485
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	0000046485
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3104 GILCHRIST DR, LORENA, TX 76655-3946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020721
Date	Jun 24, 2020
Instrument	2020020721

Lender

Name	CU MEMBERS MORTGAGE
Type	Mortgage Company
Address	DALLAS, TX 75254

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Dec 30, 2020
Property Address	3104 GILCHRIST DR, LORENA, TX 76655-3946
Document Number	0000046485
Map Reference	FILE 2017037539
Instrument Date	Dec 28, 2020
Instrument	2020046485
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 GILCHRIST DR, LORENA, TX 76655-3946

Mortgage

Document Number	0000046486
Date	Dec 30, 2020
Instrument	2020046486

Lender

Name	EXTRACO BANKS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Sep 12, 2018
Property Address	3104 GILCHRIST DR, LORENA, TX 76655-3946
Document Number	0000032329
Map Reference	FILE2017037539
Instrument Date	Aug 17, 2018
Instrument	2018032329
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4090 STATE HIGHWAY 6 S, 4090, COLLEGE STATION, TX 77845-8962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 GILSCHIRST DR, LORENA, TX 76655

Mortgage

Document Number	0000032330
Date	Sep 12, 2018
Instrument	2018032330

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$389,952 (-1.14%) Land $46,939 Building $343,013	$389,952 (-1.14%) Land $46,939 Building $343,013
2025	$6,388.00 (-7.08%) Homeowner's exemption	$394,450 (-2.6%) Land $42,730 Building $351,720	$394,450 (-2.6%) Land $42,730 Building $351,720
2024	$6,875.00 (+12.01%)
2023		$404,990 Land $42,730 Building $362,260	$404,990 Land $42,730 Building $362,260
2022	$6,138.00

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 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	4 (1997–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Mar 2012 · 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	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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