3801 Orchard Ln, Waco, TX 76705 Property Records

McLennan County property record for 3801 Orchard Ln, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,350 sqft · built 1940
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$8,632 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`28-026701-014100-2`

Property Details

APN / Parcel Number

Primary APN	`28-026701-014100-2`
Alternative APNs	`2802670101410020111` `124076`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
1st Floor Area	870 sqft
2nd Floor Area	480 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1963
Exterior Material	Wood
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Metal
Lot Area	217,800 sqft
Garage Type	Carport
Garage Area	600 sqft
Carport	Carport
Carport Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Patio Area	36 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3801 ORCHARD LN
City	WACO
State	TX
Zip	76705-3439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	TOMAS DE LA VEGA TRACT T141 ACRES 4.79
Legal Subdivision	TOMAS DE LA VEGA
Legal Tract	T141
Legal Lot Number	T141
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1011
Census Tract	1800

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	Individual Name on Record
Mailing Address	3801 ORCHARD LN, WACO, TX 76705-3439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Grant Deed, Transfer KRISTEN CURBO
Oct 1, 2019	Loan Modification, Mortgage AMERICAN BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 4, 2020
Transfer Doc	0000044193
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 11, 2020
Property Address	3801 ORCHARD LN, WACO, TX 76705-3439
Document Number	0000044193
Instrument Date	Dec 4, 2020
Instrument	44193
Transaction Type	Transfer
Record Updated	Jan 6, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 ORCHARD LN WACO TX 767053439, WACO, TX 76705-3439

Mortgage

Document Number	44194
Date	Dec 11, 2020
Instrument	44194

Lender

Name	KRISTEN CURBO
Address	1362 FORT GRAHAM RD, WACO, TX 76705-5864
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3801 ORCHARD LN, WACO, TX 76705-3439
Document Number	0000033636
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 MORNINGVIEW CIR WACO TX 767085447, WACO, TX 76708-5447

Mortgage

Document Number	0000033636
Date	Oct 7, 2019
Instrument	33636

Lender

Name	AMERICAN BK NA
Address	WACO, TX 76715-4068

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 6, 2029

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	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$329,962 (-5.32%) Land $60,000 Building $269,962	$329,962 (-5.32%) Land $60,000 Building $269,962
2025	$8,632.00 (-16.28%)	$348,520 (-0.13%) Land $50,030 Building $298,490	$348,520 (-0.13%) Land $50,030 Building $298,490
2024	$10,310.00 (+33.03%)
2023		$348,980 Land $50,030 Building $298,950	$348,980 Land $50,030 Building $298,950
2022	$7,750.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 81% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T.

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