3601 S 4th St, Waco, TX 76706 Property Records

McLennan County property record for 3601 S 4th St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1925
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on File
Tax Bill	$3,593 (2024)
Deeds & Mortgages	Sep 2025 Second Mortgage Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`480185030140008`

Property Details

APN / Parcel Number

Primary APN	`480185030140008`
Alternative APNs	`4801850301400080111` `173885`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1925
Exterior Material	Asbestos
Foundation Type	Pier/Post & Beam
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.519 acres)
Garage Type	Carport
Carport	Carport
Carport Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	126 sqft
Storage Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Account Number	173885
Old Parcel Number	4801850301400080111
Street Address	3601 S 4TH ST
City	WACO
State	TX
Zip	76706-4134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	FRENCH J & C O'CAMPO LOT T140 ACRES .515
Legal Subdivision	FRENCH J & C O'CAMPO
Legal Lot Number	T140
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1013
Census Tract	1900

Owner

Source: McLennan County assessment roll, as of August 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	290 HCR 3424 W, MALONE, TX 76660-3130
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 23, 2022
Deed Sale	Feb 23, 2022
Deed Document Number	2022007187
Record Updated	Jun 7, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3601 S 4TH ST, WACO, TX 76706-4134
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 S 4TH ST, WACO, TX 76706-4134

Mortgage

Document Number	0000029737
Date	Sep 29, 2025
Instrument	2025029737

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Sep 26, 2028

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3601 S 4TH ST, WACO, TX 76706-4134
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 APPLE VALLEY DR, FARMERS BRANCH, TX 75234-2536

Mortgage

Document Number	0000029999
Date	Sep 30, 2025
Instrument	2025029999

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

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
2025		$191,160 (+53.54%) Land $16,340 Building $193,100	$209,440 (+68.22%) Land $16,340 Building $193,100
2024	$3,593.00 (+28.74%)
2023		$124,500 Land $16,340 Building $108,160	$124,500 Land $16,340 Building $108,160
2022	$2,791.00

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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