316 Carver St, Waco, TX 76704 Property Records

McLennan County property record for 316 Carver St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,407 sqft · built 2018
Lot Size	0.158 acres (6,896 sqft)
Owner	Individual Name on File
Last Sale	$247,925 (Jul 2025)
Tax Bill	$2,287 (2025)
Deeds & Mortgages	Jul 2025 Second Mortgage Jul 2025 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`48-035202-007400-3`

Property Details

APN / Parcel Number

Primary APN	`48-035202-007400-3`
Alternative APNs	`4803520200740030111` `188074`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,407 sqft Living Area
Gross Area	1,680 sqft
1st Floor Area	1,407 sqft
Flooring	Carpet

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	6,896 sqft (0.158 acres)
Lot Dimensions	120 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	273 sqft
Driveway	Concrete Driveway
Driveway Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	82 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	316 CARVER ST
City	WACO
State	TX
Zip	76704-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS NO 2 LOT 5 BLOCK 8 ACRES .1583
Legal Subdivision	RIVER OAKS NO 2
Legal Block	8
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2000
Census Tract	1401

Owner

316 Carver St is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	316 CARVER ST, WACO, TX 76704-1423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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

Date	Document
Jul 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Jul 1, 2025	Vendor's Lien, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Aug 9, 2022	Vendor's Lien, Transfer · FHA Mortgage FIRST NATIONAL BANK TEXAS
Sep 25, 2017	Trustee's Deed, Construction Loan · Line of Credit HOUSING FIN AGCY
May 19, 2017	Tax Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	May 22, 2025 · Amount on File
Deed Document Number	202519972
Prior Transfer Date	Dec 18, 2018
Prior Transfer Doc	0000043789
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	316 CARVER ST, WACO, TX 76704-1423
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CARVER ST, WACO, TX 76704-1423

Mortgage

Document Number	0000019974
Date	Jul 1, 2025
Instrument	2025019974

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	35 Months
Due	Jun 26, 2028

July 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 1, 2025
Property Address	316 CARVER ST, WACO, TX 76704-1423
Document Number	0000019972
Map Reference	VOL 907 PG 535
Instrument Date	Jun 27, 2025
Instrument	2025019972
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	922 FRANKLIN AVE, WACO, TX 76701-1906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CARVER ST, WACO, TX 76704-1423

Mortgage

Document Number	0000019973
Date	Jul 1, 2025
Instrument	2025019973

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Aug 9, 2022
Property Address	316 CARVER ST, WACO, TX 76704-1423
Document Number	0000032516
Map Reference	VOL 907 PG 535
Instrument Date	Aug 5, 2022
Instrument	2022032516
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3604 SHELBY AVE, 3604, WACO, TX 76711-1444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CARVER ST, WACO, TX 76704-1423

Mortgage

Document Number	0000032517
Date	Aug 9, 2022
Instrument	2022032517

Lender

Name	FIRST NATIONAL BANK TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 25, 2017
Property Address	316 CARVER ST, WACO, TX 76704-1423
Instrument Date	Sep 22, 2017
Instrument	31447
Transaction Type	Construction Loan
Record Updated	Oct 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	922 FRANKLIN AVE WACO TX 767011906, WACO, TX 76701-1906

Mortgage

Document Number	0000031447
Date	Sep 25, 2017
Instrument	31447

Lender

Name	HOUSING FIN AGCY
Address	WACO, TX 76702-2570

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 24, 2018

Interest

Rate Type	Adjustable Rate

May 2017: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 19, 2017
Property Address	316 CARVER ST, WACO, TX 76704-1423
Document Number	0000015985
Instrument Date	May 5, 2017
Instrument	15985
Transaction Type	Foreclosure
Record Updated	Jun 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	922 FRANKLIN AVE WACO TX 767011906, WACO, TX 76701-1906

Tax Assessment & Valuation

The 2025 property tax bill for 316 Carver St was $2,287, down 31.3% 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		$241,346 (+1.26%) Land $13,584 Building $227,762	$241,346 (-1.71%) Land $13,584 Building $227,762
2025	$2,287.00 (-31.3%)	$238,346	$245,550 Land $12,340 Building $233,210
2024	$3,329.00
2023		$196,980 Land $12,340 Building $184,640	$196,980 Land $12,340 Building $184,640
2022	$2,983.00
2018	$172.00

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

Flood

FEMA maps place 316 Carver St in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 policies
Nearby Flood Policies	41 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 316 Carver 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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband 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: AT&T, Central Link Broadband, Nextlink.

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