3901 Cobbs Dr, Waco, TX 76708 Property Records

McLennan County property record for 3901 Cobbs Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1954
Lot Size	0.158 acres (6,873 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,900 (Jun 2019)
Tax Bill	$1,940 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-020002-002500-0`

Property Details

APN / Parcel Number

Primary APN	`48-020002-002500-0`
Alternative APNs	`4802000200250000111` `174946`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	1,723 sqft
1st Floor Area	1,528 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	6,873 sqft (0.158 acres)
Garage Type	Detached
Garage Area	315 sqft
Driveway	Concrete Driveway
Driveway Area	990 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	409 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3901 COBBS DR
City	WACO
State	TX
Zip	76708-3013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	GLENDALE LOT 1 BLOCK B ACRES .1578
Legal Subdivision	GLENDALE
Legal Block	B
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1020
Census Tract	2600

Owner

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	3901 COBBS DR, WACO, TX 76708-3013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 11, 2019	Vendor's Lien, Transfer · FHA Mortgage AFFILIATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Prior Sale	Jul 31, 2015 · Amount on Record
Deed Document Number	201919231
Prior Transfer Date	Sep 23, 2015
Prior Transfer Doc	0000032062
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3901 COBBS DR, WACO, TX 76708-3013
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 COBBS DR, WACO, TX 76708-3013
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027923
Date	Sep 1, 2023
Instrument	2023027923

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jul 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3901 COBBS DR, WACO, TX 76708-3013
Document Number	0000035118
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 COBBS DR WACO TX 767083013, WACO, TX 76708-3013

Mortgage

Document Number	0000035118
Date	Oct 2, 2020
Instrument	35118

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

June 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jun 11, 2019
Property Address	3901 COBBS DR, WACO, TX 76708-3013
Document Number	0000019231
Map Reference	VOL 717 PG 308
Instrument Date	Jun 3, 2019
Instrument	2019019231
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 COBBS DR, WACO, TX 76708-3013
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019232
Date	Jun 11, 2019
Instrument	2019019232

Lender

Name	AFFILIATED BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$176,114 (+4.4%) Land $19,108 Building $157,006	$176,114 (-12.35%) Land $19,108 Building $157,006
2025	$1,940.00 (-3.34%) Homeowner's exemption	$168,694 (-12.3%) Land $17,390 Building $183,540	$200,930 (+4.46%) Land $17,390 Building $183,540
2024	$2,007.00 (+17.92%)
2023		$192,350 Land $17,390 Building $174,960	$192,350 Land $17,390 Building $174,960
2022	$1,702.00

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

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.

Wildfire

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.

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 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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