McLennan County property record for 3901 N 20th St, Waco, TX 76708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,130 sqft · built 1953 |
| Lot Size | 0.249 acres (10,846 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $71,200 (May 2006) |
| Tax Bill | $1,423 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-037201-005200-3 |
| Primary APN | 48-037201-005200-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,130 sqft Living Area |
| 1st Floor Area | 1,130 sqft |
| Flooring | Carpet |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 10,846 sqft (0.249 acres) |
| Lot Dimensions | 99 ft deep x 19 ft wide |
| Garage Type | Detached |
| Garage Area | 560 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3901 N 20TH ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76708-1630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | SCOTT PARK LAKE LOT 2 BLOCK 6 ACRES .249 |
| Legal Subdivision | SCOTT PARK LAKE |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 3000 |
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 N 20TH ST, WACO, TX 76708-1630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2006 · Amount on Record |
| Deed Sale | May 2, 2006 · Amount on Record |
| Deed Document Number | 200615243 |
| Prior Transfer Date | Apr 28, 2006 |
| Prior Transfer Doc | 0000015243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3901 N 20TH ST, WACO, TX 76708-1630 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Title Company | FIRST TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000036250 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 2017036250 |
| Name | SENTE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2037 |
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 | $146,432 (+3.72%) Land $34,383 Building $112,049 | $146,432 (-3.42%) Land $34,383 Building $112,049 | |
| 2025 | $1,423.00 (-4.88%) Homeowner's exemption | $141,183 (-8.32%) Land $31,350 Building $120,270 | $151,620 (-1.55%) Land $31,350 Building $120,270 |
| 2024 | $1,496.00 (+17.7%) | ||
| 2023 | $154,000 Land $31,350 Building $122,650 | $154,000 Land $31,350 Building $122,650 | |
| 2022 | $1,271.00 |
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 · 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.
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.
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 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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