McLennan County property record for 3416 Speight Ave, Waco, TX 76711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,463 sqft · built 1935 |
| Lot Size | 0.19 acres (8,260 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-024901-001500-0 |
| Primary APN | 48-024901-001500-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,463 sqft Living Area |
| 1st Floor Area | 1,463 sqft |
| Flooring | Carpet |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,260 sqft (0.19 acres) |
| Lot Dimensions | 140 ft deep x 59 ft wide |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 830 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 327 sqft |
| Deck Area | 48 sqft |
| Storage Building | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3416 SPEIGHT AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76711-1553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | JOSEPH TOM LOT 15 BLOCK 1 ACRES .1896 |
| Legal Subdivision | JOSEPH TOM |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 4300 |
3416 Speight Ave is owned and occupied by an individual.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3416 SPEIGHT AVE, WACO, TX 76711-1553 |
| 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 |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Mar 29, 2022 | Warranty Deed, Transfer · Reverse Mortgage OPEN MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 2, 2026 |
| Property Address | 3416 SPEIGHT AVE, WACO, TX 76711-1553 |
| Document Number | 0000017482 |
| Instrument Date | May 27, 2026 |
| Instrument | 202617482 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3416 SPEIGHT AVE, WACO, TX 76711-1553 |
| Document Number | 0000017482, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 202617482 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Mar 29, 2022 |
| Property Address | 3416 SPEIGHT AVE, WACO, TX 76711-1553 |
| Document Number | 0000012129 |
| Map Reference | VOL 1117 PG 849 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 2022012129 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Title Company | ALAMO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10260 PEONY LN, WACO, TX 76708-5732 |
| Document Number | 0000012176 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022012176 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.05% |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $132,475 (+1%) | $229,893 (-2.45%) Land $23,458 Building $206,435 |
| 2025 | $120,432 Land $21,310 Building $214,350 | $235,660 Land $21,310 Building $214,350 |
| 2023 | $228,040 Land $21,310 Building $206,730 | $228,040 Land $21,310 Building $206,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3416 Speight Ave 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 risk around 3416 Speight Ave is low, with 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 96% of the US · lower than 97.9% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 650 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 | 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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