McLennan County property record for 3226 Ferndale Dr, Waco, TX 76706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1961 |
| Lot Size | 0.157 acres (6,834 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $173,548 (Aug 2021) |
| Tax Bill | $2,333 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-046301-009100-3 |
| Primary APN | 48-046301-009100-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick Veneer |
| Roof Material | Composition Shingle |
| Lot Area | 6,834 sqft (0.157 acres) |
| Lot Dimensions | 114 ft deep x 60 ft wide |
| Garage Type | Carport |
| Garage Area | 216 sqft |
| Carport | Carport |
| Carport Area | 216 sqft |
| Driveway | Driveway |
| Driveway Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3226 FERNDALE DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76706-4253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | WYNDOVER LOT 10 BLOCK 8 ACRES .1569 |
| Legal Subdivision | WYNDOVER |
| Legal Block | 8 |
| Legal Lot Number | 10 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 2100 |
3226 Ferndale Dr is owned and occupied by two individuals who bought it in August 2021.
Source: McLennan County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3226 FERNDALE DR, WACO, TX 76706-4253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage TEXAS STATE AFFORDABLE HSNG CORP |
| Aug 31, 2021 | Vendor's Lien, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Jan 14, 2019 | Warranty Deed, Transfer SCHWIETERS & ASSOCIATES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2021 · Amount on File |
| Deed Sale | Aug 31, 2021 · Amount on File |
| Prior Sale | Jan 14, 2019 · Amount on File |
| Deed Document Number | 202135299 |
| Prior Transfer Date | Jan 9, 2019 |
| Prior Transfer Doc | 0000001187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3226 FERNDALE DR, WACO, TX 76706-4253 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3226 FERNDALE DR, WACO, TX 76706-4253 |
| Document Number | 0000035301 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021035301 |
| Name | TEXAS STATE AFFORDABLE HSNG CORP |
|---|---|
| Type | Government Agency |
| Address | AUSTIN, TX 78752 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Aug 30, 2024 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Aug 31, 2021 |
| Property Address | 3226 FERNDALE DR, WACO, TX 76706-4253 |
| Document Number | 0000035299 |
| Map Reference | VOL 817 PG 328 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021035299 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3226 FERNDALE DR, WACO, TX 76706-4253 |
| Document Number | 0000035300 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021035300 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jan 14, 2019 |
| Property Address | 3226 FERNDALE DR, WACO, TX 76706-4253 |
| Document Number | 0000001187 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 1187 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2100 TRINITY DR WACO TX 767102740, WACO, TX 76710-2740 |
| Document Number | 1188 |
|---|---|
| Date | Jan 14, 2019 |
| Instrument | 1188 |
| Name | SCHWIETERS & ASSOCIATES LLC |
|---|---|
| Address | PO BOX 362, CEDAR PARK, TX 78630-0362 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 3226 Ferndale Dr was $2,333 with a homeowner's exemption, down 12.3% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $181,560 (-1.69%) Land $21,254 Building $160,306 | $181,560 (-1.69%) Land $21,254 Building $160,306 | |
| 2025 | $2,333.00 (-12.33%) Homeowner's exemption | $184,680 Land $19,270 Building $165,410 | $184,680 Land $19,270 Building $165,410 |
| 2024 | $2,661.00 | ||
| 2023 | $173,440 Land $19,270 Building $154,170 | $173,440 Land $19,270 Building $154,170 | |
| 2022 | $2,504.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3226 Ferndale Dr in Zone X, an area of minimal 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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 risk around 3226 Ferndale Dr 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 99.8% of the US · lower than 99.8% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 452 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Pavlov Media Fiber | 8,000 / 8,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
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