McLennan County property record for 3509 N 20th St, Waco, TX 76708
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 902 sqft · built 1949 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,600 (Dec 2015) |
| Tax Bill | $60 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-031500-001800-4 |
| Primary APN | 48-031500-001800-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 902 sqft Living Area |
| 1st Floor Area | 902 sqft |
| Flooring | Wood |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,250 sqft (0.189 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 50 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3509 N 20TH ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76708-2017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C1 |
| Legal Description | NORTH WACO LOT 18 BLOCK 1 ACRES .1894 |
| Legal Subdivision | NORTH WACO |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 1100 |
3509 N 20th St is owned and occupied by an individual who bought it in December 2015.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3509 N 20TH ST, WACO, TX 76708-2017 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2015 · Amount on File |
| Deed Sale | Dec 31, 2015 · Amount on File |
| Deed Document Number | 201540770 |
| Prior Transfer Date | Dec 28, 2015 |
| Prior Transfer Doc | 0000040770 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3509 N 20TH ST, WACO, TX 76708-2017 |
| Document Number | 0000021703 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3509 N 20TH ST WACO TX 767082017, WACO, TX 76708-2017 |
| Document Number | 0000021703 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 21703 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | 384 S 400 W # 100, LINDON, UT 84042-1957 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jul 4, 2037 |
The 2025 property tax bill for 3509 N 20th St was $60 with exemptions applied, up 93.5% from the year before.
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 | $94,725 (+1%) | $157,586 (-3.79%) Land $18,068 Building $139,518 | |
| 2025 | $60.00 (+93.55%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $86,114 Land $16,420 Building $147,370 | $163,790 Land $16,420 Building $147,370 |
| 2024 | $31.00 | ||
| 2023 | $143,460 Land $16,420 Building $127,040 | $143,460 Land $16,420 Building $127,040 | |
| 2022 | $23.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3509 N 20th St 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 | 5 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 3509 N 20th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 97.4% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% 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 594 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Nextlink, T-Mobile.
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