McLennan County property record for 3405 Speight Ave, Waco, TX 76711
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,196 sqft · built 1951 |
| Lot Size | 0.192 acres (8,379 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $154,200 (Jun 2021) |
| Tax Bill | $1,703 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-018501-003000-9 |
| Primary APN | 48-018501-003000-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Flooring | Carpet |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,379 sqft (0.192 acres) |
| Lot Dimensions | 147 ft deep x 57 ft wide |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 41 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3405 SPEIGHT AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76711-1552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | FRYS SUB LOT 16 BLOCK 2 ACRES .1924 |
| Legal Subdivision | FRYS SUB |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 4300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3405 SPEIGHT AVE, WACO, TX 76711-1552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage SWBC MORTGAGE CORP |
| Jun 2, 2021 | Vendor's Lien, Transfer · FHA Mortgage SWBC MORTGAGE CORP |
| Sep 29, 2017 | Trustee's Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2021 · Amount on Record |
| Deed Sale | Jun 2, 2021 · Amount on Record |
| Prior Sale | Sep 29, 2017 · Amount on Record |
| Deed Document Number | 202121378 |
| Prior Transfer Date | May 25, 2021 |
| Prior Transfer Doc | 0000021378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3405 SPEIGHT AVE, WACO, TX 76711-1552 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000010867 |
|---|---|
| Date | Apr 18, 2023 |
| Instrument | 2023010867 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Jun 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 2, 2021 |
| Property Address | 3405 SPEIGHT AVE, WACO, TX 76711-1552 |
| Document Number | 0000021378 |
| Map Reference | VOL 648 PG 157 |
| Instrument Date | May 25, 2021 |
| Instrument | 2021021378 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3405 SPEIGHT AVE, WACO, TX 76711-1552 |
| Document Number | 0000021379 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 2021021379 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Number | 0000021380 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 2021021380 |
| Name | TEXAS DEPT OF HOUSING & CMNTY AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | AUSTIN, TX 78711 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Sep 29, 2017 |
| Property Address | 3405 SPEIGHT AVE, WACO, TX 76711-1552 |
| Document Number | 0000032242 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 32242 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3482 WELLSPRINGS DR SAN ANTONIO TX 782302512, SAN ANTONIO, TX 78230-2512 |
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 | $151,137 (-1.75%) Land $23,796 Building $127,341 | $151,137 (-1.75%) Land $23,796 Building $127,341 | |
| 2025 | $1,703.00 (-21.19%) Homeowner's exemption | $153,830 (+4.12%) Land $21,620 Building $132,210 | $153,830 (+4.12%) Land $21,620 Building $132,210 |
| 2024 | $2,161.00 (+10.26%) | ||
| 2023 | $147,740 Land $21,620 Building $126,120 | $147,740 Land $21,620 Building $126,120 | |
| 2022 | $1,960.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.3% 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 490 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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