3850 Elk Rd, Waco, TX 76705 Property Records

McLennan County property record for 3850 Elk Rd, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1992
Lot Size	4.36 acres (190,009 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,382 (2024)
Deeds & Mortgages	Aug 2018 Line of Credit Jul 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260043000071020`

Property Details

APN / Parcel Number

Primary APN	`260043000071020`
Alternative APN	`328970`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Flooring	Carpet

Exterior

Year Built	Built 1992
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	190,009 sqft (4.36 acres)
Lot Dimensions	661 ft deep x 298 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Shed	1 Shed
Shed Area	160 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Account Number	328970
Street Address	3850 ELK RD
City	WACO
State	TX
Zip	76705-5556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TOMAS DE LA VEGA ACRES 4.362
Legal Subdivision	TOMAS DE LA VEGA
Jurisdiction	MCLENNAN TX
Township / Civil Division	AXTELL
Census Block Group	3
Census Block	3057
Census Tract	3500

Owner

Source: McLennan County records, as of October 17, 2025

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	3400 LAKE HEIGHTS DR, WACO, TX 76708-1545
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2018	Deed of Trust, Mortgage · Line of Credit ALLIANCE BANK CENTRAL TEXAS
Jul 27, 2020	Loan Modification, Mortgage ALLIANCE BK CTRL TX
Jul 27, 2019	Loan Modification, Mortgage ALLIANCE BK CTRL TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2015
Deed Sale	Jul 17, 2015
Deed Document Number	2015028600
Prior Transfer Date	Mar 6, 2009
Prior Transfer Doc	2009006709
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3850 ELK RD, WACO, TX 76705-5556
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028625
Date	Aug 13, 2018
Instrument	2018028625

Lender

Name	ALLIANCE BANK CENTRAL TEXAS
Type	Bank
Address	WACO, TX 76710

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Jul 27, 2019

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3850 ELK RD, WACO, TX 76705-5556
Document Number	0000029851
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3400 LAKE HEIGHTS DR WACO TX 767081545, WACO, TX 76708-1545

Mortgage

Document Number	0000029851
Date	Aug 26, 2020
Instrument	29851

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 25, 2025

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3850 ELK RD, WACO, TX 76705-5556
Document Number	0000029468
Instrument Date	Jul 27, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3400 LAKE HEIGHTS DR WACO TX 767081545, WACO, TX 76708-1545

Mortgage

Document Number	0000029468
Date	Sep 3, 2019
Instrument	29468

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Sep 2, 2020

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Hallsburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$166,250 (-9.21%) Land $54,640 Building $111,610	$166,250 (-9.21%) Land $54,640 Building $111,610
2024	$2,382.00 (+5.91%)
2023		$183,110 Land $54,640 Building $128,470	$183,110 Land $54,640 Building $128,470
2022	$2,249.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2008 · other causes

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	Moderate above 56% of the US · lower than 64% of Texas
Wildfire Likelihood	0.1% 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	EOL WSC serves 2,103 people · EPA ID TX1550025
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, T-Mobile.

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