3221 Zabel Dr, Lorena, TX 76655 Property Records

McLennan County property record for 3221 Zabel Dr, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 2021
Lot Size	0.152 acres (6,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,637 (Jun 2023)
Tax Bill	$6,280 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-252250-002514-0`

Property Details

APN / Parcel Number

Primary APN	`36-252250-002514-0`
Alternative APN	`406591`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,677 sqft Living Area
Gross Area	2,038 sqft
1st Floor Area	1,677 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	361 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	233 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3221 ZABEL DR
City	LORENA
State	TX
Zip	76655-3984
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK MEADOWS ADDN PH 3 LOT 14 BLOCK 25 ACRES .152
Legal Subdivision	PARK MEADOWS ADDN PH 3
Legal Block	25
Legal Lot Number	14
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2023
Census Tract	3708

Owner

Source: McLennan County records, as of August 6, 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 Record
Mailing Address	3221 ZABEL DR, LORENA, TX 76655-3984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING
Jun 9, 2023	Vendor's Lien, Transfer · VA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jan 14, 2022	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Jan 14, 2022 · Amount on Record
Deed Document Number	202317317
Prior Transfer Date	Dec 1, 2021
Prior Transfer Doc	0000001981
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Jul 28, 2026
Property Address	3221 ZABEL DR, LORENA, TX 76655-3984
Document Number	0000024130
Instrument Date	Jul 20, 2026
Instrument	202624130
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 ZABEL DR, LORENA, TX 76655-3984

Mortgage

Document Number	0000024130,
Date	Jul 28, 2026
Instrument	202624130

Lender

Name	PLANET HOME LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jun 9, 2023
Property Address	3221 ZABEL DR, LORENA, TX 76655-3984
Document Number	0000017317
Map Reference	FILE 2021002979
Instrument Date	Jun 9, 2023
Instrument	2023017317
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	NOT AVAILABLE, FTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 ZABEL DR, LORENA, TX 76655-3984

Mortgage

Document Number	0000017318
Date	Jun 9, 2023
Instrument	2023017318

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jan 14, 2022
Property Address	3221 ZABEL DR, LORENA, TX 76655-3984
Document Number	0000001981
Instrument Date	Dec 1, 2021
Instrument	2022001981
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	MONTEITH ABSTRACT AND TITLE COMPANY, MONTEITH ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4090 6, COLLEGE STATION, TX 77845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 ZABEL DRIVE, LORENA, TX 76655-3984

Mortgage

Document Number	0000001980
Date	Jan 14, 2022
Instrument	2022001980

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Waco City
Unified School District	Midway Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,280.00 (-4.69%)	$290,930 (-2.51%) Land $39,070 Building $251,860	$290,930 (-2.51%) Land $39,070 Building $251,860
2024	$6,589.00 (+2.58%)
2023		$298,430 (+11.75%) Land $39,070 Building $259,360	$298,430 (+11.75%) Land $39,070 Building $259,360
2022	$6,423.00	$267,060 Land $33,970 Building $233,090	$267,060 Land $33,970 Building $233,090

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	4 (1997–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Mar 2012 · rainfall accumulation

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	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.05% 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 687 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 · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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