3208 N 20th St, Waco, TX 76708 Property Records

McLennan County property record for 3208 N 20th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1952
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on Record
Last Sale	$160,754 (Dec 2024)
Tax Bill	$1,725 (2025)
Deeds & Mortgages	Dec 2024 Second Mortgage Nov 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`48-033201-000600-0`

Property Details

APN / Parcel Number

Primary APN	`48-033201-000600-0`
Alternative APNs	`4803320100060000111` `185484`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Flooring	Carpet

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1977
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	123 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	72 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3208 N 20TH ST
City	WACO
State	TX
Zip	76708-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Description	POCHYLA LOT 6 BLOCK 1 ACRES .169
Legal Subdivision	POCHYLA
Legal Block	1
Legal Lot Number	6
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1026
Census Tract	1100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3208 N 20TH ST, WACO, TX 76708-2012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IDAHO HOUSING & FINANCE ASSN
Nov 7, 2025	Intrafamily Transfer, Transfer ALA TITLE, ALAMO TITLE
Dec 23, 2024	Vendor's Lien, Transfer · FHA Mortgage SUMMIT FUNDING INC
Dec 6, 2023	Intrafamily Transfer, Transfer
May 11, 2021	Warranty Deed, Transfer
May 11, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	May 11, 2021
Deed Document Number	202446163
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3208 N 20TH ST, WACO, TX 76708-2012
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046165
Date	Dec 23, 2024
Instrument	2024046165

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Nov 7, 2025
Property Address	3208 N 20TH ST, WACO, TX 76708-2012
Document Number	0000034347
Map Reference	VOL 538 PG 184
Instrument Date	Nov 6, 2025
Instrument	2025034347
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2809 ALEXANDER AVE, WACO, TX 76708-2635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 N 20TH ST, WACO, TX 76708-2012

December 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Dec 23, 2024
Property Address	3208 N 20TH ST, WACO, TX 76708-2012
Document Number	0000046163
Map Reference	VOL 652 PG 412
Instrument Date	Dec 20, 2024
Instrument	2024046163
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 N 20TH ST, WACO, TX 76708-2012

Mortgage

Document Number	0000046164
Date	Dec 23, 2024
Instrument	2024046164

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Dec 6, 2023
Property Address	3208 N 20TH ST, WACO, TX 76708-2012
Document Number	0000037118
Map Reference	VOL 652 PG 412
Instrument Date	Aug 17, 2023
Instrument	2023037118
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 TRAILWOOD DR, WOODWAY, TX 76712-3130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9920 TARA OAKS DR, WOODWAY, TX 76712-7611

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 11, 2021
Property Address	3208 N 20TH ST, WACO, TX 76708-2012
Document Number	0000018127
Map Reference	VOL 652 PG 412
Instrument Date	May 4, 2021
Instrument	2021018127
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	9920 TARA OAKS DR, WOODWAY, TX 76712-7611
Investor	Possibly a Property Investor

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 11, 2021
Property Address	3208 N 20TH ST, WACO, TX 76708-2012
Document Number	0000018120
Map Reference	VOL 652 PG 412
Instrument Date	May 4, 2021
Instrument	2021018120
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 AUSTIN AVE, WACO, TX 76710-7424
Investor	Possibly a Property Investor

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	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,497 (-4.13%) Land $17,006 Building $131,491	$148,497 (-4.13%) Land $17,006 Building $131,491
2025	$1,725.00 (+29.7%)	$154,900 (+112.19%) Land $15,460 Building $139,440	$154,900 (+112.19%) Land $15,460 Building $139,440
2024	$1,330.00 (-18.7%)
2023		$73,000 Land $13,400 Building $59,600	$73,000 Land $13,400 Building $59,600
2022	$1,636.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, T-Mobile.

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