3900 N 20th St, Waco, TX 76708 Property Records

McLennan County property record for 3900 N 20th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,368 sqft · built 1953
Lot Size	0.191 acres (8,321 sqft)
Owner	Company Name on Record
Last Sale	$83,400 (Feb 2006)
Tax Bill	$1,911 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-037201-005300-0`

Property Details

APN / Parcel Number

Primary APN	`48-037201-005300-0`
Alternative APNs	`4803720100530000111` `189232`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft
Flooring	Carpet

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1968
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	8,321 sqft (0.191 acres)
Lot Dimensions	129 ft deep x 60 ft wide
Driveway	Concrete Driveway
Driveway Area	128 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	58 sqft
Patio Area	96 sqft
Storage Building	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3900 N 20TH ST
City	WACO
State	TX
Zip	76708-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SCOTT PARK LAKE LOT 1 BLOCK 7 ACRES .191
Legal Subdivision	SCOTT PARK LAKE
Legal Block	7
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3001
Census Tract	3000

Owner

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	Company Name on Record
Mailing Address	PO BOX 23541, WACO, TX 76702-3541
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Deed of Trust, Mortgage PLAINSCAPITAL BK
Jul 2, 2019	Loan Modification, Mortgage PLAINSCAPITAL BK
Jul 6, 2018	Trustee's Deed, Construction Loan · Construction Mortgage PLAINSCAPITAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2006 · Amount on Record
Deed Sale	Feb 15, 2006 · Amount on Record
Deed Document Number	20065246
Prior Transfer Date	Feb 14, 2006
Prior Transfer Doc	0000005246
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3900 N 20TH ST, WACO, TX 76708-1631
Document Number	0000036143
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2325 SANGER AVE WACO TX 767073475, WACO, TX 76707-3475

Mortgage

Document Number	0000036143
Date	Oct 29, 2019
Instrument	36143

Lender

Name	PLAINSCAPITAL BK
Type	Bank
Address	IRVING, TX 75039

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 28, 2024

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	3900 N 20TH ST, WACO, TX 76708-1631
Document Number	0000028978
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1701 PARK AVE WACO TX 767062028, WACO, TX 76706-2028

Mortgage

Document Number	0000028978
Date	Aug 28, 2019
Instrument	28978

Lender

Name	PLAINSCAPITAL BK
Type	Bank
Address	IRVING, TX 75039

Agreement

Amount	Amount Recorded

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 6, 2018
Property Address	3900 N 20TH ST, WACO, TX 76708-1631
Instrument Date	Jul 2, 2018
Instrument	22871
Transaction Type	Construction Loan
Record Updated	Jul 23, 2018
Title Company	AMERICAN GUARANTY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2325 SANGER AVE WACO TX 767073475, WACO, TX 76707-3475

Mortgage

Document Number	0000022871
Date	Jul 6, 2018
Instrument	22871

Lender

Name	PLAINSCAPITAL BK
Type	Bank
Address	IRVING, TX 75039

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 5, 2019

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	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,050 (-7%) Land $29,871 Building $49,179	$79,050 (-7%) Land $29,871 Building $49,179
2025	$1,911.00 (-19.91%)	$85,000 (-19.66%) Land $27,210 Building $57,790	$85,000 (-19.66%) Land $27,210 Building $57,790
2024	$2,386.00 (+0.63%)
2023		$105,800 Land $27,210 Building $78,590	$105,800 Land $27,210 Building $78,590
2022	$2,371.00

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
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

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.

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 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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