3528 W Waco Dr, Waco, TX 76710 Property Records

McLennan County property record for 3528 W Waco Dr, Waco, TX 76710

Property Summary

Property Type	Apartments (5+ Units)
Details	12,716 sqft · built 1982
Lot Size	0.864 acres (37,636 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,760 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2020 Loan Modification + 5 more
Flood Zone	Zone X (minimal risk)
APN	`48-019800-000800-1`

Property Details

APN / Parcel Number

Primary APN	`48-019800-000800-1`
Alternative APNs	`4801980000080010111` `174248`

Interior

Units	43 Units
Stories	2 Stories
Building Area	12,716 sqft Living Area
1st Floor Area	8,888 sqft
2nd Floor Area	3,828 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Multi-Family
Lot Area	37,636 sqft (0.864 acres)
Lot Dimensions	318 ft deep x 119 ft wide
Porch	Open Porch
Porch Area	2,284 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3528 W WACO DR
City	WACO
State	TX
Zip	76710-5476
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R-3E
Legal Description	GINN-LANERI TR LOT 8 BLOCK F ACRES .864
Legal Subdivision	GINN-LANERI TR
Legal Tract	BLOCK
Legal Block	F
Legal Lot Number	8
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	4
Census Block	4005
Census Tract	2498

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Castle Heights Historic District listed 2009 · 181 contributing resources · NRIS 07000495

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3528 W Waco Dr, a residential property, is owned by two individuals who acquired it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2716 SKYLINE DR, WACO, TX 76710-1139
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 10, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Jan 10, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Jan 10, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Jan 10, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK/ALVA
Jan 10, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK
Dec 24, 2013	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026
Deed Sale	Jul 6, 2026
Prior Sale	Feb 19, 2009 · Amount on File
Deed Document Number	202621376
Prior Transfer Date	Apr 23, 2008
Prior Transfer Doc	0000013281
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 6, 2026
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000021376
Instrument Date	Jun 30, 2026
Instrument	202621376
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2716 SKYLINE DR, WACO, TX 76710-1139

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000000441
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3528 W WACO DR WACO TX 767105476, WACO, TX 76710-5476

Mortgage

Document Number	0000000441
Date	Jan 6, 2021
Instrument	441

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 5, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000006806
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21671 WACO TX 767021671, WACO, TX 76702-1671

Mortgage

Document Number	0000006806
Date	Feb 28, 2020
Instrument	6806

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	12 Months
Due	Feb 27, 2021

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000002871
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21671 WACO TX 767021671, WACO, TX 76702-1671

Mortgage

Document Number	0000002871
Date	Jan 28, 2019
Instrument	2871

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 27, 2020

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000007080
Instrument Date	Jan 10, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21671 WACO TX 767021671, WACO, TX 76702-1671

Mortgage

Document Number	0000007080
Date	Mar 5, 2018
Instrument	7080

Lender

Name	CENTRAL NAT'L BK/ALVA
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 4, 2019

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000006127
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21671 WACO TX 767021671, WACO, TX 76702-1671

Mortgage

Document Number	0000006127
Date	Feb 28, 2017
Instrument	6127

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	12 Months
Due	Feb 27, 2018

December 2013: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3528 W WACO DR, WACO, TX 76710-5476
Document Number	0000001473
Instrument Date	Dec 24, 2013
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21671 WACO TX 767021671, WACO, TX 76702-1671

Mortgage

Document Number	0000001473
Date	Jan 13, 2021
Instrument	1473

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 12, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 3528 W Waco Dr was $13,760, up 19.6% from the year before.

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		$978,180 (-) Land $225,820 Building $752,360	$978,180 (-) Land $225,820 Building $752,360
2025	$13,760.00 (+19.61%)	$978,180 Land $225,820 Building $752,360	$978,180 Land $225,820 Building $752,360
2024	$11,504.00
2023		$894,680 Land $112,910 Building $781,770	$894,680 Land $112,910 Building $781,770
2022	$20,057.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3528 W Waco Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	3 (1979–1991)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 1991 · Severe Thunderstorms

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

Wildfire risk around 3528 W Waco Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 518 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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