McLennan County property record for 3816 N 20th St, Waco, TX 76708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 1952 |
| Lot Size | 0.179 acres (7,800 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,951 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-031001-001500-6 |
| Primary APN | 48-031001-001500-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 1,392 sqft |
| 1st Floor Area | 1,104 sqft |
| Flooring | Carpet |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Composition Shingle |
| Lot Area | 7,800 sqft (0.179 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 121 sqft |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3816 N 20TH ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76708-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | O2 |
| Legal Description | MCNAMARA LOT 5 BLOCK 2 ACRES .1791 |
| Legal Subdivision | MCNAMARA |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 3000 |
3816 N 20th St is owned by a company that acquired it in September 2025.
Source: McLennan County records, as of September 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 24115, WACO, TX 76702-4115 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK |
| Sep 12, 2025 | Warranty Deed, Transfer DESIGNATED TITLE, DESIGNATED TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2025 |
| Deed Sale | Sep 12, 2025 |
| Deed Document Number | 202527945 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Apr 13, 2026 |
| Property Address | 3816 N 20TH ST, WACO, TX 76708-1629 |
| Document Number | 0000011466 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202611466 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000011466, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 202611466 |
| Name | FIDELITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 10, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Sep 12, 2025 |
| Property Address | 3816 N 20TH ST, WACO, TX 76708-1629 |
| Document Number | 0000027945 |
| Map Reference | VOL 647 PG 350 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025027945 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Title Company | DESIGNATED TITLE, DESIGNATED TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4128 GRANBURY HWY, WEATHERFORD, TX 76087-7598 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 24115, WACO, TX 76702-4115 |
The 2025 property tax bill for 3816 N 20th St was $2,951, down 12.3% 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 | $91,500 (-30.31%) Land $28,704 Building $62,796 | $91,500 (-30.31%) Land $28,704 Building $62,796 | |
| 2025 | $2,951.00 (-12.25%) | $131,290 Land $26,130 Building $105,160 | $131,290 Land $26,130 Building $105,160 |
| 2024 | $3,363.00 | ||
| 2023 | $133,380 Land $26,130 Building $107,250 | $133,380 Land $26,130 Building $107,250 | |
| 2022 | $2,990.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3816 N 20th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 3 (1979–1997) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Feb 1997 · tidal / storm surge |
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 risk around 3816 N 20th St is low, with 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 97% of the US · lower than 98.3% of Texas |
|---|---|
| Wildfire Likelihood | 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 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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