3481 Ross Rd, Waco, TX 76705 Property Records

McLennan County property record for 3481 Ross Rd, Waco, TX 76705

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,408 sqft · built 1999
Lot Size	3.73 acres (162,566 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,509 (2024)
Deeds & Mortgages	Jun 2020 Loan Modification Jul 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`500350020012000`

Property Details

APN / Parcel Number

Primary APN	`500350020012000`
Alternative APNs	`5003500200040100111` `404058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	4,201 sqft
1st Floor Area	1,408 sqft
Flooring	Carpet
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	162,566 sqft (3.73 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	1,080 sqft
Shed	1 Shed
Shed Area	140 sqft
Storage Building	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	404058
Old Parcel Number	5003500200040100111
Street Address	3481 ROSS RD
City	WACO
State	TX
Zip	76705-5798
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R
Legal Description	FORT GRAHAM LOT 12 BLOCK 1 ACRES 3.732
Legal Subdivision	FORT GRAHAM
Legal Block	1
Legal Lot Number	12 1
Jurisdiction	MCLENNAN TX
Township / Civil Division	ELM MOTT
Census Block Group	2
Census Block	2000
Census Tract	3402

Owner

Source: McLennan County records, as of October 17, 2025

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	3477 ROSS RD, WACO, TX 76705-5798
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Loan Modification, Mortgage FIRST NAT'L BK
Jul 5, 2019	Deed of Trust, Construction Loan · Construction Mortgage FIRST NAT'L BK/MCGREGOR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3481 ROSS RD, WACO, TX 76705-5798
Document Number	0000022897
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3481 ROSS RD WACO TX 767055798, WACO, TX 76705-5798

Mortgage

Document Number	0000022897
Date	Jul 10, 2020
Instrument	22897

Lender

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

Agreement

Amount	Amount Recorded

July 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Jul 5, 2019
Property Address	3481 ROSS RD, WACO, TX 76705-5798
Document Number	0000022234
Instrument Date	Jun 28, 2019
Instrument	22234
Transaction Type	Construction Loan
Record Updated	Jul 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3481 ROSS RD WACO TX 767055798, WACO, TX 76705-5798

Mortgage

Document Number	0000022234
Date	Jul 5, 2019
Instrument	22234

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 4, 2020

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	West Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$109,670 (-) Land $7,000 Building $102,670	$153,000 (-) Land $50,330 Building $102,670
2024	$1,509.00 (-3.7%)
2023		$109,670 Land $7,000 Building $102,670	$153,000 Land $50,330 Building $102,670
2022	$1,567.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2015)
Most Recent Claim	Oct 2015 · rainfall accumulation

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 63% of the US · above 48% of Texas
Wildfire Likelihood	0.2% 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	ROSS WSC serves 2,811 people · EPA ID TX1550042
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Rise Broadband.

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