332 Garden Dr, Waco, TX 76706 Property Records

McLennan County property record for 332 Garden Dr, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,179 sqft · built 1951
Lot Size	0.215 acres (9,362 sqft)
Owner	Individual Name on Record
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-018500-000903-7`

Property Details

APN / Parcel Number

Primary APN	`48-018500-000903-7`
Alternative APNs	`4801850000090370111` `173800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,179 sqft Living Area
1st Floor Area	1,179 sqft
Flooring	Wood

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	9,362 sqft (0.215 acres)
Lot Dimensions	151 ft deep x 62 ft wide
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Driveway	Concrete Driveway
Driveway Area	390 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Patio Area	220 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	332 GARDEN DR
City	WACO
State	TX
Zip	76706-3280
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	FRENCH J LOT 1D BLOCK 2 ACRES .2149
Legal Subdivision	FRENCH J
Legal Block	2
Legal Lot Number	1D
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1006
Census Tract	1900

Owner

Source: McLennan County records, as of August 25, 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	332 GARDEN DR, WACO, TX 76706-3280
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Closed-End Mortgage FIRST NATIONAL BANK OF CENTRAL TX
Aug 24, 2021	Intrafamily Transfer, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF CENTRAL TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2023
Deed Sale	Nov 21, 2023
Prior Sale	Aug 24, 2021 · Amount on Record
Deed Document Number	202335878
Prior Transfer Date	Aug 13, 2021
Prior Transfer Doc	0000034051
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	332 GARDEN DR, WACO, TX 76706-3280
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 GARDEN DR, WACO, TX 76706-3280

Mortgage

Document Number	0000003358
Date	Feb 2, 2024
Instrument	2024003358

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank
Address	WACO, TX 76710

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 2, 2039

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Aug 24, 2021
Property Address	332 GARDEN DR, WACO, TX 76706-3280
Document Number	0000034051
Instrument Date	Aug 13, 2021
Instrument	2021034051
Transaction Type	Transfer
Record Updated	Sep 1, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 GARDEN DR, WACO, TX 76706-3280

Mortgage

Document Number	0000034052
Date	Aug 24, 2021
Instrument	2021034052

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$189,625 (+1.91%) Land $48,006 Building $141,619	$189,625 (+1.91%) Land $48,006 Building $141,619
2025	$2,362.00 (-14.11%) Homeowner's exemption	$186,080 (+14.57%) Land $43,630 Building $142,450	$186,080 (+14.57%) Land $43,630 Building $142,450
2024	$2,750.00 (+5.77%)
2023		$162,410 Land $43,630 Building $118,780	$162,410 Land $43,630 Building $118,780
2022	$2,600.00

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
Flood Insurance Cost	Premium on Record median of 39 individual policies
Nearby Flood Policies	41 units insured incl. 2 condo units

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	0.06% annual chance
Exposure	None beyond ember reach

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 275 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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