3612 N 20th St, Waco, TX 76708 Property Records

McLennan County property record for 3612 N 20th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 784 sqft · built 1952
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Tax Bill	$2,870 (2025)
Deeds & Mortgages	Apr 2025 Transfer Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-031500-007700-5`

Property Details

APN / Parcel Number

Primary APN	`48-031500-007700-5`
Alternative APNs	`4803150000770050111` `183204`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	784 sqft Living Area
Gross Area	1,026 sqft
1st Floor Area	784 sqft
Flooring	Carpet

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	242 sqft
Driveway	Concrete Driveway
Driveway Area	792 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	70 sqft
Storage Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3612 N 20TH ST
City	WACO
State	TX
Zip	76708-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	NORTH WACO LOT 4 BLOCK 5 ACRES .1894
Legal Subdivision	NORTH WACO
Legal Block	5
Legal Lot Number	4
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1005
Census Tract	1100

Owner

3612 N 20th St is owned and occupied by an individual who acquired it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3612 N 20TH ST, WACO, TX 76708-2020
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 7, 2025	Gift Deed, Transfer
Mar 24, 2020	Vendor's Lien, Transfer · Closed-End Mortgage ALLIANCE BANK CENTRAL TEXAS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2025
Deed Sale	Apr 7, 2025
Prior Sale	Mar 24, 2020 · Amount on File
Deed Document Number	202510269
Prior Transfer Date	Mar 10, 2020
Prior Transfer Doc	0000009875
Record Updated	Oct 29, 2026

April 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 7, 2025
Property Address	3612 N 20TH ST, WACO, TX 76708-2020
Document Number	0000010269
Map Reference	VOL 275 PG 163
Instrument Date	Apr 2, 2025
Instrument	2025010269
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 N 20TH ST, WACO, TX 76708-2020

March 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 24, 2020
Property Address	3612 N 20TH ST, WACO, TX 76708-2020
Document Number	0000009875
Map Reference	VOL 275 PG 13
Instrument Date	Mar 10, 2020
Instrument	2020009875
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 N 20TH ST, WACO, TX 76708-2020

Mortgage

Document Number	0000009876
Date	Mar 24, 2020
Instrument	2020009876

Lender

Name	ALLIANCE BANK CENTRAL TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 23, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 3612 N 20th St was $2,870, up 4.9% 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		$121,714 (-4.67%) Land $18,068 Building $103,646	$121,714 (-4.67%) Land $18,068 Building $103,646
2025	$2,870.00 (+4.94%)	$127,670 Land $16,420 Building $111,250	$127,670 Land $16,420 Building $111,250
2024	$2,735.00
2023		$112,290 Land $16,420 Building $95,870	$112,290 Land $16,420 Building $95,870
2022	$2,517.00

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

Flood

FEMA maps place 3612 N 20th 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 3612 N 20th 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 95% of the US · lower than 97.6% 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 422 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 · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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