McLennan County property record for 313 Dearborn St, Waco, TX 76704
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,340 sqft · built 1959 |
| Lot Size | 0.209 acres (9,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $513 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2026 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 48-035202-001700-5 |
| Primary APN | 48-035202-001700-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| 1st Floor Area | 1,340 sqft |
| Flooring | Carpet |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,120 sqft (0.209 acres) |
| Lot Dimensions | 153 ft deep x 40 ft wide |
| Garage Type | Carport |
| Garage Area | 248 sqft |
| Carport | Carport |
| Carport Area | 248 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 20 sqft |
| Patio Area | 296 sqft |
| Storage Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 313 DEARBORN ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76704-1429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | RIVER OAKS NO 2 LOT 7 BLOCK 3 ACRES .2094 |
| Legal Subdivision | RIVER OAKS NO 2 |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 1401 |
Source: McLennan County records · APN 48-035202-001700-5
Assessment roll updated September 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 313 DEARBORN ST, WACO, TX 76704-1429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Jul 07, 2026 | Affidavit, Transfer |
| Jan 09, 2023 | Gift Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jan 06, 2023 |
| Transfer Doc | 0000000643 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 21, 2026 |
| Property Address | 313 DEARBORN ST, WACO, TX 76704-1429 |
| Document Number | 0000023264 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202623264 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2026 |
| Title Company | INDEPENDENCE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 DEARBORN ST, WACO, TX 76704-1429 |
| Document Number | 0000023265, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 202623265 |
| Name | SYNERGY ONE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jul 07, 2026 |
| Property Address | 313 DEARBORN ST, WACO, TX 76704-1429 |
| Document Number | 0000021501 |
| Instrument Date | Jul 06, 2026 |
| Instrument | 202621501 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jan 09, 2023 |
| Property Address | 313 DEARBORN ST, WACO, TX 76704-1429 |
| Document Number | 0000000643 |
| Map Reference | VOL 792 PG 550 |
| Instrument Date | Jan 06, 2023 |
| Instrument | 2023000643 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 313 DEARBORN ST, WACO, TX 76704-1429 |
| Name | Verified Name |
|---|---|
| Address | 235 SHERBURNE ST, LEWISVILLE, TX 75067-9008 |
Source: McLennan County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $513.00 (+36.07%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $115,840 (-10.95%) | $159,780 (+22.83%) Land $14,590 Building $145,190 |
| 2024 | $377.00 (+16%) | ||
| 2023 | $130,080 Land $14,590 Building $115,490 | $130,080 Land $14,590 Building $115,490 | |
| 2022 | $325.00 |
Source: FEMA National Flood Hazard Layer as of June 9, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 41 policies |
| Nearby Flood Policies | 41 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Radiate Holdings Cable | 1,500 / 50 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AMG Technology Investment Group, AT&T, Helmsco.
Based on FCC filings for 364 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF WACO serves 146,241 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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