McLennan County property record for 3900 Cumberland Ave, Waco, TX 76707
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,576 sqft · built 1955 |
| Lot Size | 0.761 acres (33,149 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,546 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-030801-000100-0 |
| Primary APN | 48-030801-000100-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,576 sqft Living Area |
| Gross Area | 2,728 sqft |
| 1st Floor Area | 2,576 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 33,149 sqft (0.761 acres) |
| Lot Dimensions | 164 ft deep x 202 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 529 sqft |
| Patio Area | 200 sqft |
| Storage Building | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3900 CUMBERLAND AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76707-1025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | MCCUNE LOT 1 BLOCK 1 ACRES .761 |
| Legal Subdivision | MCCUNE |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 2700 |
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 | 101 C N GREENVILLE ALLEN AVE # TX, TX, ALLEN, TX 75002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3900 CUMBERLAND AVE, WACO, TX 76707-1025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005237 |
|---|---|
| Date | Feb 20, 2018 |
| Instrument | 2018005237 |
| Name | THE FIRST NATIONAL BANNK OF TOM BEAN |
|---|---|
| Type | Private Party |
| Address | TOM BEAN, TX 75489 |
| Amount | Amount Recorded |
|---|
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 | $263,538 (+1%) | $384,497 (-8.67%) Land $40,773 Building $343,724 | |
| 2025 | $1,546.00 (-10.06%) Homeowner's exemption Senior Citizen's exemption | $239,580 (-40.24%) Land $37,130 Building $383,890 | $421,020 (+5.01%) Land $37,130 Building $383,890 |
| 2024 | $1,719.00 (+10.83%) | ||
| 2023 | $400,930 Land $37,130 Building $363,800 | $400,930 Land $37,130 Building $363,800 | |
| 2022 | $1,551.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.8% 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 688 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 |
May also be available: T-Mobile.
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