McLennan County property record for 3504 N 20th St, Waco, TX 76708 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1952 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $437 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 480315000093009 |
| Primary APN | 480315000093009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 952 sqft Living Area |
| 1st Floor Area | 952 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Composition Shingle |
| Lot Area | 8,250 sqft (0.189 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Driveway | Driveway |
| Driveway Area | 712 sqft Driveway |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed |
| Garage Area | 240 sqft Garage |
| Carport | Carport |
| Carport Area | 240 sqft Carport |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 540 sqft Shed |
| Porch | Open Porch |
| Porch Area | 70 sqft Porch |
| Canopy | 84 sqft |
| Storage Building | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 183220 |
|---|---|
| Old Parcel Number | 4803150000930090111 |
| Street Address | 3504 N 20TH ST |
| City | WACO |
| State | TX |
| Zip | 76708-2018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH WACO LOT 2 BLOCK 6 ACRES .1894 |
| Legal Subdivision | NORTH WACO |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1100 |
Source: McLennan County records · APN 480315000093009
Assessment roll updated August 1, 2025 · Last verified October 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 File |
|---|---|
| Mailing Address | 3504 N 20TH ST, WACO, TX 76708-2018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK AND TRUST |
| Sep 01, 2017 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK & TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 18, 1999 |
| Deed Sale | Aug 18, 1999 |
| Deed Document Number | 0000568398 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | May 12, 2026 |
| Property Address | 3504 N 20TH ST, WACO, TX 76708-2018 |
| Document Number | 0000015025 |
| Instrument Date | May 06, 2026 |
| Instrument | 202615025 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3504 N 20TH ST, WACO, TX 76708-2018 |
| Investor | Possibly a Property Investor |
| Document Number | 0000015025, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 202615025 |
| Name | COMMUNITY BANK AND TRUST |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3504 N 20TH ST, WACO, TX 76708-2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028787 |
|---|---|
| Date | Sep 01, 2017 |
| Instrument | 2017028787 |
| Name | COMMUNITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WACO, TX 76703 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 21, 2032 |
Source: McLennan County records · Assessment roll updated August 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $113,959 (-18.54%) Land $16,420 Building $142,640 | $159,060 (+13.7%) Land $16,420 Building $142,640 | |
| 2024 | $437.00 (+25.94%) | ||
| 2023 | $139,900 Land $16,420 Building $123,480 | $139,900 Land $16,420 Building $123,480 | |
| 2022 | $347.00 |
Source: FEMA National Flood Hazard Layer, McLennan County (48309C), updated June 9, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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