3516 S 4th St, Waco, TX 76706 Property Records

McLennan County property record for 3516 S 4th St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 2,114 sqft · built 2025
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$418,879 (Mar 2026)
Tax Bill	$1,336 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Apr 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`48-018491-000104-0`

Property Details

APN / Parcel Number

Primary APN	`48-018491-000104-0`
Alternative APN	`370690`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,114 sqft Living Area
1st Floor Area	1,014 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Metal
Roof Material	Metal
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	301 ft deep x 50 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3516 S 4TH ST
City	WACO
State	TX
Zip	76706-4135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRENCH QUARTER ADDITION LOT 4 BLOCK 1 ACRES .35
Legal Subdivision	FRENCH QUARTER ADDITION
Legal Block	1
Legal Lot Number	4
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1006
Census Tract	1900

Owner

Source: McLennan County records, as of August 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	420 N CEDAR RIDGE CIR, ROBINSON, TX 76706-5684
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2025	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA
Apr 22, 2025	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK & TRUST
Mar 20, 2026	Vendor's Lien, Transfer · Commercial Mortgage COMMUNITY BANK AND TRUST
Oct 18, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Oct 18, 2024
Deed Document Number	20268749
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3516 S 4TH ST, WACO, TX 76706-4135
Transaction Type	Mortgage
Record Updated	Apr 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010233
Date	Apr 7, 2025
Instrument	2025010233

Lender

Name	CADENCE BANK NA
Type	Bank
Address	AUSTIN, TX 78727

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3516 S 4TH ST, WACO, TX 76706-4135
Transaction Type	Mortgage
Record Updated	Apr 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011783
Date	Apr 22, 2025
Instrument	2025011783

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Address	WACO, TX 76703

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 20, 2026
Property Address	3516 S 4TH ST, WACO, TX 76706-4135
Document Number	0000008749
Map Reference	FILE 2014011428
Instrument Date	Mar 16, 2026
Instrument	2026008749
Transaction Type	Transfer
Record Updated	Apr 6, 2026
Title Company	ALAMO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 N CEDAR RIDGE CIR, ROBINSON, TX 76706-5684

Mortgage

Document Number	0000008750
Date	Mar 20, 2026
Instrument	2026008750

Lender

Name	COMMUNITY BANK AND TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 18, 2024
Property Address	3516 S 4TH ST, WACO, TX 76706-4135
Document Number	0000039515
Map Reference	FILE 2014011428
Instrument Date	Oct 17, 2024
Instrument	2024039515
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1022 ROY CREEK TRL, DRIPPING SPRINGS, TX 78620-3300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 PANICO RD, HUTTO, TX 78634-5805

Tax Assessment & Valuation

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		$412,889 (+594.4%) Land $65,525 Building $347,364	$412,889 (+594.4%) Land $65,525 Building $347,364
2025	$1,336.00 (-0.37%)	$59,460 (-) Land $59,460	$59,460 (-) Land $59,460
2024	$1,341.00 (+0.6%)
2023		$59,460 Land $59,460	$59,460 Land $59,460
2022	$1,333.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 individual policies
Nearby Flood Policies	41 units insured incl. 2 condo units

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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Verizon.

Nearby Properties on S 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures