3528 S 4th St, Waco, TX 76706 Property Records

McLennan County property record for 3528 S 4th St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 1,684 sqft · built 2016
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Tax Bill	$6,097 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-018491-000107-0`

Property Details

APN / Parcel Number

Primary APN	`48-018491-000107-0`
Alternative APN	`370693`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,684 sqft Living Area
1st Floor Area	842 sqft
2nd Floor Area	842 sqft
Flooring	Wood

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 57 ft wide
Driveway	Concrete Driveway
Driveway Area	1,248 sqft
Porch	Open Porch
Porch Area	303 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3528 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 7 BLOCK 1 ACRES .14
Legal Subdivision	FRENCH QUARTER ADDITION
Legal Block	1
Legal Lot Number	7
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	13809 N HIGHWAY 183, 640, AUSTIN, TX 78750-1298
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage SIWELL INC
Oct 22, 2021	Warranty Deed, Transfer FREEDOM TITLE
Sep 5, 2019	Warranty Deed, Transfer · Conventional Mortgage LHM FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2021
Deed Sale	Oct 22, 2021
Prior Sale	Sep 5, 2019 · Amount on Record
Deed Document Number	202143365
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3528 S 4TH ST, WACO, TX 76706-4135
Transaction Type	Mortgage
Record Updated	Mar 25, 2022
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010265
Date	Mar 16, 2022
Instrument	2022010265

Lender

Name	SIWELL INC
Type	Mortgage Company
Address	LUBBOCK, TX 79493

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 22, 2021
Property Address	3528 S 4TH ST, WACO, TX 76706-4135
Document Number	0000043365
Map Reference	FILE 014011428
Instrument Date	Oct 22, 2021
Instrument	2021043365
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 N BETHANY BEND CIR, 98, SPRING, TX 77382-1313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13809 N HIGHWAY 183 STE 640, 640, AUSTIN, TX 78750-1298

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 5, 2019
Property Address	3528 S 4TH ST, WACO, TX 76706-4135
Document Number	0000029748
Map Reference	FILE 2014011428
Instrument Date	Sep 4, 2019
Instrument	2019029748
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10519 JAYCREEK DR, HOUSTON, TX 77070-2928

Mortgage

Document Number	0000029749
Date	Sep 5, 2019
Instrument	2019029749

Lender

Name	LHM FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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		$335,422 (+6.19%) Land $33,541 Building $301,881	$335,422 (+6.19%) Land $33,541 Building $301,881
2025	$6,097.00 (+19.62%)	$315,880 (+39.77%) Land $30,490 Building $285,390	$315,880 (+39.77%) Land $30,490 Building $285,390
2024	$5,097.00 (+0.61%)
2023		$226,000 Land $27,440 Building $198,560	$226,000 Land $27,440 Building $198,560
2022	$5,066.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

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