3405 Stewart Cir, Waco, TX 76708 Property Records

McLennan County property record for 3405 Stewart Cir, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,678 sqft · built 1972
Lot Size	0.603 acres (26,280 sqft)
Owner	2 Individual Names on File
Last Sale	$521,300 (Oct 2019)
Tax Bill	$7,559 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-005501-001001-8`

Property Details

APN / Parcel Number

Primary APN	`48-005501-001001-8`
Alternative APNs	`4800550100100180111` `164941`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,678 sqft Living Area
Gross Area	4,920 sqft
1st Floor Area	3,678 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	26,280 sqft (0.603 acres)
Lot Dimensions	240 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	648 sqft
Driveway	Concrete Driveway
Driveway Area	1,824 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	650 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3405 STEWART CIR
City	WACO
State	TX
Zip	76708-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	BLUE BONNET CLIFFS LOT 1 BLOCK 1 ACRES .6033
Legal Subdivision	BLUE BONNET CLIFFS
Legal Block	1
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3009
Census Tract	3000

Owner

3405 Stewart Cir is owned and occupied by two individuals who bought it in October 2019.

Source: McLennan County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3405 STEWART CIR, WACO, TX 76708-1035
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 28, 2019	Warranty Deed, Transfer BARTON CRK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on File
Deed Sale	Oct 28, 2019 · Amount on File
Deed Document Number	201935899
Prior Transfer Date	Oct 25, 2019
Prior Transfer Doc	0000035899
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Sep 18, 2026
Property Address	3405 STEWART CIR, WACO, TX 76708-1035
Document Number	0000030280
Instrument Date	Sep 14, 2026
Instrument	202630280
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030280,
Date	Sep 18, 2026
Instrument	202630280

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2056

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3405 STEWART CIR, WACO, TX 76708-1035
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048626
Date	Nov 30, 2021
Instrument	2021048626

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 28, 2019
Property Address	3405 STEWART CIR, WACO, TX 76708-1035
Document Number	0000035899
Instrument Date	Oct 25, 2019
Instrument	35899
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	FIRST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3405 STEWART CIR WACO TX 767081035, WACO, TX 76708-1035

Mortgage

Document Number	35900
Date	Oct 28, 2019
Instrument	35900

Lender

Name	BARTON CRK LNDG
Address	AUSTIN, TX 78746

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3405 Stewart Cir was $7,559 with exemptions applied, up 3% 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		$743,513 (+9.23%) Land $227,320 Building $516,193	$743,513 (-) Land $227,320 Building $516,193
2025	$7,559.00 (+2.97%) Homeowner's exemption Senior Citizen's exemption	$680,660 Land $227,320 Building $516,193	$743,513 Land $227,320 Building $516,193
2024	$7,341.00
2023		$814,500 Land $227,320 Building $587,180	$814,500 Land $227,320 Building $587,180
2022	$6,861.00

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

Flood

FEMA maps place 3405 Stewart Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1997)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 1997 · tidal / storm surge

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 3405 Stewart Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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