3209 N 20th St, Waco, TX 76708 Property Records

McLennan County property record for 3209 N 20th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1947
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on Record
Last Sale	$144,300 (Feb 2021)
Tax Bill	$1,973 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-033201-001702-5`

Property Details

APN / Parcel Number

Primary APN	`48-033201-001702-5`
Alternative APNs	`4803320100170250111` `185499`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	1,044 sqft
1st Floor Area	1,032 sqft
Flooring	Carpet

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1965
Exterior Material	Asbestos
Roof Material	Composition Shingle
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	216 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	58 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3209 N 20TH ST
City	WACO
State	TX
Zip	76708-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Description	POCHYLA LOT 14A 17C BLOCK 1 ACRES .164
Legal Subdivision	POCHYLA
Legal Block	1
Legal Lot Number	14A
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1027
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	3209 N 20TH ST, WACO, TX 76708-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage GATEWAY FIRST BANK
Feb 8, 2021	Vendor's Lien, Transfer · FHA Mortgage GATEWAY FIRST BANK
Sep 5, 2019	Warranty Deed, Transfer FIRST TITLE COMPANY
May 21, 2019	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	May 21, 2019
Deed Document Number	20214758
Prior Transfer Date	Dec 19, 2005
Prior Transfer Doc	0000049149
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3209 N 20TH ST, WACO, TX 76708-2011
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017378
Date	May 5, 2021
Instrument	2021017378

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Amount	Amount Recorded

February 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 8, 2021
Property Address	3209 N 20TH ST, WACO, TX 76708-2011
Document Number	0000004758
Map Reference	VOL 652 PG 412
Instrument Date	Feb 4, 2021
Instrument	2021004758
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	3209 N 20TH ST, WACO, TX 76708-2011

Mortgage

Document Number	0000004759
Date	Feb 8, 2021
Instrument	2021004759

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Special Notes	Seller Financed

Agreement

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

Mortgage

Document Number	0000004760
Date	Feb 8, 2021
Instrument	2021004760

Lender

Name	TEXAS DEPARTMENT OF HOUSING AND COMMUNIT
Type	Non-Lending Institution
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 5, 2019
Property Address	3209 N 20TH ST, WACO, TX 76708-2011
Document Number	0000029835
Instrument Date	Sep 3, 2019
Instrument	29835
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	FIRST TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8448 ORANGE ST DOWNEY CA 902423643, DOWNEY, CA 90242-3643

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 21, 2019
Property Address	3209 N 20TH ST, WACO, TX 76708-2011
Document Number	0000016692
Instrument Date	May 21, 2019
Instrument	16692
Transaction Type	Transfer
Record Updated	Jun 17, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 24115 WACO TX 767024115, WACO, TX 76702-4115

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		$159,951 (-4.24%) Land $16,788 Building $143,163	$159,951 (-4.24%) Land $16,788 Building $143,163
2025	$1,973.00 (-10.36%) Homeowner's exemption	$167,030 (+14.32%) Land $15,220 Building $151,810	$167,030 (+14.32%) Land $15,220 Building $151,810
2024	$2,201.00 (+13.05%)
2023		$146,110 Land $15,220 Building $130,890	$146,110 Land $15,220 Building $130,890
2022	$1,947.00

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
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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