3704 Willow Bend Cir, Waco, TX 76708 Property Records

McLennan County property record for 3704 Willow Bend Cir, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,567 sqft · built 1986
Lot Size	1.34 acres (58,654 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Dec 2017)
Tax Bill	$7,626 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-009004-005500-4`

Property Details

APN / Parcel Number

Primary APN	`48-009004-005500-4`
Alternative APNs	`4800900400550040111` `168187`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,567 sqft Living Area
Gross Area	3,095 sqft
1st Floor Area	2,567 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	58,654 sqft
Lot Dimensions	380 ft deep x 220 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	1,792 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	327 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3704 WILLOW BEND CIR
City	WACO
State	TX
Zip	76708-2361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CHIMNEY HILL LOT 55 BLOCK 1 ACRES 1.3465
Legal Subdivision	CHIMNEY HILL
Legal Block	1
Legal Lot Number	55
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2009
Census Tract	2800

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3704 WILLOW BEND CIR, WACO, TX 76708-2361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Prior Sale	Mar 28, 2016 · Amount on Record
Deed Document Number	201742417
Prior Transfer Date	Dec 29, 2010
Prior Transfer Doc	0000004495
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 28, 2017
Property Address	3704 WILLOW BEND CIR, WACO, TX 76708-2361
Document Number	0000042417
Instrument Date	Dec 27, 2017
Instrument	42417
Transaction Type	Transfer
Record Updated	Jan 8, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2120 C AVE NATIONAL CITY CA 919506726, NATIONAL CITY, CA 91950-6726

Mortgage

Document Number	42418
Date	Dec 28, 2017
Instrument	42418

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

Tax Assessment & Valuation

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		$479,338 (+7.98%) Land $108,509 Building $370,829	$479,338 (+7.98%) Land $108,509 Building $370,829
2025	$7,626.00 (-2.18%) Homeowner's exemption	$443,910 (+3.66%) Land $66,870 Building $377,040	$443,910 (+3.66%) Land $66,870 Building $377,040
2024	$7,796.00 (+11.85%)
2023		$428,230 Land $66,870 Building $361,360	$428,230 Land $66,870 Building $361,360
2022	$6,970.00

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2007–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2015 · rainfall accumulation

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	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% 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 293 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
T-Mobile Fixed Wireless	100 / 20