McLennan County property record for 3900 James Ave, Waco, TX 76711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,580 sqft · built 1953 |
| Lot Size | 0.182 acres (7,947 sqft) |
| Owner | Individual Name on File |
| Last Sale | $107,500 (Sep 2018) |
| Tax Bill | $2,343 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-037700-024100-7 |
| Primary APN | 48-037700-024100-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| 1st Floor Area | 1,580 sqft |
| Flooring | Carpet |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,947 sqft (0.182 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 720 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 76 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3900 JAMES AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76711-1740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | SHELBY LOT 2 BLOCK 18 ACRES .1824 |
| Legal Subdivision | SHELBY |
| Legal Block | 18 |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 4300 |
3900 James Ave is owned and occupied by an individual who bought it in September 2018.
Source: McLennan County records, as of August 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 | Individual Name on File |
|---|---|
| Mailing Address | 3900 JAMES AVE, WACO, TX 76711-1740 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Sep 26, 2018 | Vendor's Lien, Transfer AMCAP MORTGAGE LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on File |
| Deed Sale | Sep 26, 2018 · Amount on File |
| Deed Document Number | 201834180 |
| Prior Transfer Date | Sep 25, 2018 |
| Prior Transfer Doc | 0000034180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3900 JAMES AVE, WACO, TX 76711-1740 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027546 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 2020027546 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Sep 26, 2018 |
| Property Address | 3900 JAMES AVE, WACO, TX 76711-1740 |
| Document Number | 0000034180 |
| Map Reference | VOL517 PG52 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 2018034180 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3900 JAMES AVE, WACO, TX 76711-1740 |
| Document Number | 0000034181 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 2018034181 |
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 3900 James Ave was $2,343 with a homeowner's exemption, down 1% 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 | $192,654 (+3.44%) Land $22,808 Building $169,846 | $192,654 (-2.24%) Land $22,808 Building $169,846 | |
| 2025 | $2,343.00 (-0.97%) Homeowner's exemption | $186,248 Land $20,740 Building $176,330 | $197,070 Land $20,740 Building $176,330 |
| 2024 | $2,366.00 | ||
| 2023 | $187,050 Land $20,740 Building $166,310 | $187,050 Land $20,740 Building $166,310 | |
| 2022 | $2,038.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3900 James Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1989) |
| Most Recent Claim | May 1989 · Severe Storms, Tornadoes & Flooding |
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 3900 James Ave 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 | Direct burnable vegetation |
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 650 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 · Fiber in parts of the area | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures