3532 N 21st St, Waco, TX 76708 Property Records

McLennan County property record for 3532 N 21st St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,292 sqft · built 1950
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$4,013 (Sep 2020)
Tax Bill	$2,623 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-031500-012000-0`

Property Details

APN / Parcel Number

Primary APN	`48-031500-012000-0`
Alternative APNs	`4803150001200000111` `183247`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
1st Floor Area	1,292 sqft
Flooring	Carpet

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1974
Exterior Material	Brick/Stone
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	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3532 N 21ST ST
City	WACO
State	TX
Zip	76708-2036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	NORTH WACO LOT 9 BLOCK 7 ACRES .1894
Legal Subdivision	NORTH WACO
Legal Block	7
Legal Lot Number	9
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1009
Census Tract	1100

Owner

3532 N 21st St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3532 N 21ST ST, WACO, TX 76708-2036
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Sep 22, 2020	Vendor's Lien, Transfer · FHA Mortgage FIRST NATIONAL BANK TEXAS
Jan 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Dec 18, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on File
Deed Sale	Sep 22, 2020 · Amount on File
Prior Sale	Jan 24, 2020
Deed Document Number	202033552
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Apr 23, 2026
Property Address	3532 N 21ST ST, WACO, TX 76708-2036
Document Number	0000012656
Instrument Date	Apr 13, 2026
Instrument	202612656
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 N 21ST ST, WACO, TX 76708-2036

Mortgage

Document Number	0000012656,
Date	Apr 23, 2026
Instrument	202612656

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	294 Months
Due	Oct 1, 2050

Interest

Rate	6.11%
Max Rate	-1%

September 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Sep 22, 2020
Property Address	3532 N 21ST ST, WACO, TX 76708-2036
Document Number	0000033552
Map Reference	VOL 275 PG 163
Instrument Date	Sep 17, 2020
Instrument	2020033552
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	BLACKACRE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3532 N 21ST ST, 3532, WACO, TX 76708-2036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 N 21ST ST, WACO, TX 76708-2036

Mortgage

Document Number	0000033553
Date	Sep 22, 2020
Instrument	2020033553

Lender

Name	FIRST NATIONAL BANK TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Mortgage

Document Number	0000033554
Date	Sep 22, 2020
Instrument	2020033554

Lender

Name	TEXAS DEPARTMENT OF HSNG & CMNTY AFFAIRS
Type	Government Agency
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jan 24, 2020
Property Address	3532 N 21ST ST, WACO, TX 76708-2036
Document Number	0000002467
Instrument Date	Jan 22, 2020
Instrument	2467
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10190 KATY FWY #100 HOUSTON TX 770435237, 100, HOUSTON, TX 77043-5237

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 18, 2019
Property Address	3532 N 21ST ST, WACO, TX 76708-2036
Document Number	0000041792
Instrument Date	Dec 9, 2019
Instrument	41792
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 N 21ST ST WACO TX 767082036, WACO, TX 76708-2036

Tax Assessment & Valuation

The 2025 property tax bill for 3532 N 21st St was $2,623 with a homeowner's exemption, down 38.3% 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		$190,785 (-4.06%) Land $18,068 Building $172,717	$190,785 (-4.06%) Land $18,068 Building $172,717
2025	$2,623.00 (-38.28%) Homeowner's exemption	$198,860 Land $16,420 Building $182,440	$198,860 Land $16,420 Building $182,440
2024	$4,250.00
2023		$180,000 Land $16,420 Building $163,580	$180,000 Land $16,420 Building $163,580
2022	$4,035.00

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

Flood

FEMA maps place 3532 N 21st 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

Wildfire risk around 3532 N 21st 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.

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 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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