3108 S 3rd St, Waco, TX 76706 Property Records

McLennan County property record for 3108 S 3rd St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,254 sqft · built 1953
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$277,371 (Feb 2023)
Tax Bill	$2,998 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-021000-000203-2`

Property Details

APN / Parcel Number

Primary APN	`48-021000-000203-2`
Alternative APNs	`4802100000020320111` `175467`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	1,254 sqft
Flooring	Carpet

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1977
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	165 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	1,760 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	126 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3108 S 3RD ST
City	WACO
State	TX
Zip	76706-6461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	GURLEY D R TR LOT E3 BLOCK 1 ACRES .23
Legal Subdivision	GURLEY D R TR
Legal Tract	BLOCK
Legal Block	1
Legal Lot Number	E3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3006
Census Tract	200

Owner

Source: McLennan County assessment roll, as of September 9, 2025

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

Owner of Record	Individual Name on File
Mailing Address	3108 S 3RD ST, WACO, TX 76706-6461
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 4, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 16, 2021	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 27, 2018	Vendor's Lien, Transfer · Conventional Mortgage SFMC LP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 16, 2023 · Amount on Record
Deed Sale	Feb 16, 2023 · Amount on Record
Prior Sale	Mar 16, 2021 · Amount on Record
Deed Document Number	20234367
Record Updated	Jun 8, 2026

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 16, 2023
Property Address	3108 S 3RD ST, WACO, TX 76706-6461
Document Number	0000004367
Instrument Date	Feb 16, 2023
Instrument	2023004367
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1725 N MARTIN LUTHER KING JR BLVD # BLVD102, BLVD102, WACO, TX 76704-8909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 S 3RD ST, WACO, TX 76706-6461

Mortgage

Document Number	0000004368
Date	Feb 16, 2023
Instrument	2023004368

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3108 S 3RD ST, WACO, TX 76706-6461
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 S 3RD ST, WACO, TX 76706-6461

Mortgage

Document Number	0000008650
Date	Mar 4, 2022
Instrument	2022008650

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2051

March 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 16, 2021
Property Address	3108 S 3RD ST, WACO, TX 76706-6461
Document Number	0000009350
Instrument Date	Mar 9, 2021
Instrument	2021009350
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3108 S 3RD ST, 3108, WACO, TX 76706-6461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 RAINFOREST LN, KILLEEN, TX 76549-4259

Mortgage

Document Number	0000009351
Date	Mar 16, 2021
Instrument	2021009351

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jun 27, 2018
Property Address	3108 S 3RD ST, WACO, TX 76706-6461
Document Number	0000021308
Instrument Date	Jun 22, 2018
Instrument	2018021308
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 S 3RD ST, WACO, TX 76706-6461

Mortgage

Document Number	0000021309
Date	Jun 27, 2018
Instrument	2018021309

Lender

Name	SFMC LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of September 9, 2025

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
2025		$200,580 (+16.13%) Land $45,090 Building $155,490	$200,580 (+16.13%) Land $45,090 Building $155,490
2024	$2,998.00 (+11.45%)
2023		$172,720 Land $45,090 Building $127,630	$172,720 Land $45,090 Building $127,630
2022	$2,690.00

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
Nearby Flood Policies	5 in force

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 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Radiate Holdings 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
Helmsco Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group.

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