3109 N 25th St, Waco, TX 76708 Property Records

McLennan County property record for 3109 N 25th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,263 sqft · built 1949
Lot Size	0.252 acres (10,979 sqft)
Owner	Individual Name on File
Last Sale	$55,600 (Jun 2012)
Tax Bill	$1,142 (2025)
Deeds & Mortgages	Dec 2018 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`48-038800-005600-4`

Property Details

APN / Parcel Number

Primary APN	`48-038800-005600-4`
Alternative APNs	`4803880000560040111` `191282`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,263 sqft Living Area
1st Floor Area	1,263 sqft
Flooring	Carpet

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	10,979 sqft (0.252 acres)
Lot Dimensions	146 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	312 sqft
Driveway	Concrete Driveway
Driveway Area	1,000 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3109 N 25TH ST
City	WACO
State	TX
Zip	76708-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	STEPHENS J M TRACT 3 BLOCK F ACRES .252
Legal Subdivision	STEPHENS J M
Legal Tract	3
Legal Block	F
Legal Lot Number	3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1034
Census Tract	1100

Owner

3109 N 25th St is owned and occupied by an individual who bought it in June 2012.

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

Owner of Record	Individual Name on File
Mailing Address	3109 N 25TH ST, WACO, TX 76708-1901
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2012 · Amount on File
Deed Sale	Jun 26, 2012 · Amount on File
Deed Document Number	201219251
Prior Transfer Date	Jun 22, 2012
Prior Transfer Doc	0000019251
Record Updated	Oct 29, 2026

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3109 N 25TH ST, WACO, TX 76708-1901
Document Number	0000000729
Instrument Date	Dec 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 N 25TH ST WACO TX 767081901, WACO, TX 76708-1901

Mortgage

Document Number	0000000729
Date	Jan 8, 2019
Instrument	729

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76714

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jan 7, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 3109 N 25th St was $1,142 with a homeowner's exemption, up 2.1% 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		$133,221 (+1%)	$157,527 (-3.49%) Land $21,189 Building $136,338
2025	$1,142.00 (+2.06%) Homeowner's exemption	$121,110 Land $19,210 Building $144,010	$163,220 Land $19,210 Building $144,010
2024	$1,119.00
2023		$143,360 Land $19,210 Building $124,150	$143,360 Land $19,210 Building $124,150
2022	$921.00

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

Flood

FEMA maps place 3109 N 25th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 3109 N 25th St 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 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 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 704 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

May also be available: T-Mobile.

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