McLennan County property record for 3605 Cumberland Ave, Waco, TX 76707
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 862 sqft · built 1950 |
| Lot Size | 0.147 acres (6,400 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,267 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-039700-000300-9 |
| Primary APN | 48-039700-000300-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 862 sqft Living Area |
| 1st Floor Area | 862 sqft |
| Flooring | Wood |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,400 sqft (0.147 acres) |
| Lot Dimensions | 128 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 272 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3605 CUMBERLAND AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76707-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | SUNSET LOT 3 4 BLOCK 1 ACRES .1469 |
| Legal Subdivision | SUNSET |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 2700 |
3605 Cumberland Ave is owned and occupied by an individual who acquired it in June 2024.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3605 CUMBERLAND AVE, WACO, TX 76707-1105 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2024 |
| Deed Sale | Jun 5, 2024 |
| Prior Sale | Apr 3, 2018 · Amount on File |
| Deed Document Number | 202416652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Apr 3, 2018 |
| Property Address | 3605 CUMBERLAND AVE, WACO, TX 76707-1105 |
| Document Number | 0000010447 |
| Map Reference | VOL275 PG200 |
| Instrument Date | Mar 29, 2018 |
| Instrument | 2018010447 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3605 CUMBERLAND AVE, WACO, TX 76707-1105 |
| Document Number | 0000010448 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 2018010448 |
| Name | SENTE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 3605 Cumberland Ave was $1,267 with a homeowner's exemption, down 56.3% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $118,752 (-4.88%) Land $20,800 Building $97,952 | $118,752 (-4.88%) Land $20,800 Building $97,952 | |
| 2025 | $1,267.00 (-56.25%) Homeowner's exemption | $124,840 Land $18,880 Building $105,960 | $124,840 Land $18,880 Building $105,960 |
| 2024 | $2,896.00 | ||
| 2023 | $120,930 Land $18,880 Building $102,050 | $120,930 Land $18,880 Building $102,050 | |
| 2022 | $679.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3605 Cumberland Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3605 Cumberland Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 688 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 | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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