3708 N 20th St, Waco, TX 76708 Property Records

McLennan County property record for 3708 N 20th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1950
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Tax Bill	$3,510 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-031500-005800-2`

Property Details

APN / Parcel Number

Primary APN	`48-031500-005800-2`
Alternative APNs	`4803150000580020111` `183185`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Flooring	Wood

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1978
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Reinforced Concrete
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	240 sqft
Driveway	Concrete Driveway
Driveway Area	812 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3708 N 20TH ST
City	WACO
State	TX
Zip	76708-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	NORTH WACO LOT 3 BLOCK 4 ACRES .1894
Legal Subdivision	NORTH WACO
Legal Block	4
Legal Lot Number	3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1001
Census Tract	1100

Owner

3708 N 20th St, a single family home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3712 N 20TH ST, WACO, TX 76708-2022
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
Jun 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK & TRUST
Nov 25, 2019	Loan Modification, Mortgage COMMUNITY BK
Aug 10, 2018	Loan Modification, Mortgage COMMUNITY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3708 N 20TH ST, WACO, TX 76708-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021104
Date	Jun 27, 2019
Instrument	2019021104

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Address	WACO, TX 76703

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3708 N 20TH ST, WACO, TX 76708-2022
Document Number	0000042603
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3712 N 20TH ST WACO TX 767082022, WACO, TX 76708-2022

Mortgage

Document Number	0000042603
Date	Dec 27, 2019
Instrument	42603

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703-2303

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 26, 2020

Interest

Rate	7%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3708 N 20TH ST, WACO, TX 76708-2022
Document Number	0000034617
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3712 N 20TH ST WACO TX 767082022, WACO, TX 76708-2022

Mortgage

Document Number	0000034617
Date	Oct 1, 2018
Instrument	34617

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACE, TX 76703-2303

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 30, 2023

Interest

Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 3708 N 20th St was $3,510, up 5.1% 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		$150,322 (-3.72%) Land $18,068 Building $132,254	$150,322 (-3.72%) Land $18,068 Building $132,254
2025	$3,510.00 (+5.06%)	$156,130 Land $16,420 Building $139,710	$156,130 Land $16,420 Building $139,710
2024	$3,341.00
2023		$126,200 Land $16,420 Building $109,780	$126,200 Land $16,420 Building $109,780
2022	$2,829.00

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

Flood

FEMA maps place 3708 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 3708 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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