325 Phillips St, Waco, TX 76704 Property Records

McLennan County property record for 325 Phillips St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1940
Lot Size	0.321 acres (14,000 sqft)
Owner	Company Name on File
Tax Bill	$2,570 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-040500-004700-0`

Property Details

APN / Parcel Number

Primary APN	`48-040500-004700-0`
Alternative APNs	`4804050000470000111` `192589`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
Gross Area	1,132 sqft
1st Floor Area	1,036 sqft
Flooring	Carpet

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1966
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	325 PHILLIPS ST
City	WACO
State	TX
Zip	76704-2466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TEACHERS LOT 12 BLOCK 4 ACRES .3214
Legal Subdivision	TEACHERS
Legal Block	4
Legal Lot Number	12
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2018
Census Tract	1500

Owner

325 Phillips St is owned by a company that acquired it in September 2025.

Source: McLennan County records, as of September 2, 2026

Owner of Record	Company Name on File
Mailing Address	922 FRANKLIN AVE, WACO, TX 76701-1906
Owner Type	Company
Vesting	Company

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
Aug 15, 2023	Special Warranty Deed, Transfer · Commercial Mortgage PAMELA HARRISON
Sep 6, 2017	Deed of Trust, Mortgage FIRST NAT'L BK/MCGREGOR
Apr 13, 2017	Deed of Trust, Mortgage EXTRACO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025
Deed Sale	Sep 12, 2025
Prior Sale	Jul 14, 2025 · Amount on File
Deed Document Number	202527896
Prior Transfer Date	Dec 16, 2016
Prior Transfer Doc	0000041373
Record Updated	Oct 29, 2026

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 15, 2023
Property Address	325 PHILLIPS ST, WACO, TX 76704-2466
Document Number	0000025760
Map Reference	VOL 254 PG 454
Instrument Date	Aug 10, 2023
Instrument	2023025760
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 151, GROESBECK, TX 76642-0151

Mortgage

Document Number	0000025761
Date	Aug 15, 2023
Instrument	2023025761

Lender

Name	PAMELA HARRISON

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Aug 10, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	325 PHILLIPS ST, WACO, TX 76704-2466
Document Number	0000029775
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 564 KATY TX 774920564, KATY, TX 77492-0564

Mortgage

Document Number	0000029775
Date	Sep 11, 2017
Instrument	29775

Lender

Name	FIRST NAT'L BK/MCGREGOR
Type	Bank
Address	MCGREGOR, TX 76657

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 10, 2037

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	325 PHILLIPS ST, WACO, TX 76704-2466
Document Number	0000012018
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9991 KATY BROOK LN BROOKSHIRE TX 774231510, BROOKSHIRE, TX 77423-1510

Mortgage

Document Number	0000012018
Date	Apr 18, 2017
Instrument	12018

Lender

Name	EXTRACO BK
Type	Bank
Address	BRYAN, TX 77802

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 17, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 325 Phillips St was $2,570, up 19.6% 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		$100,000 (-21.8%) Land $19,180 Building $80,820	$100,000 (-21.8%) Land $19,180 Building $80,820
2025	$2,570.00 (+19.59%)	$127,880 Land $17,360 Building $110,520	$127,880 Land $17,360 Building $110,520
2024	$2,149.00
2023		$80,000 (-) Land $14,980 Building $65,020	$80,000 (-) Land $14,980 Building $65,020
2022	$1,793.00	$80,000 Land $14,980 Building $65,020	$80,000 Land $14,980 Building $65,020

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

Flood

FEMA maps place 325 Phillips St 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	1 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 325 Phillips St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 97.4% 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 380 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
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile, Verizon.

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