3909 Cobbs Dr, Waco, TX 76708 Property Records

McLennan County property record for 3909 Cobbs Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,556 sqft · built 1953
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on Record
Tax Bill	$5,466 (2024)
Deeds & Mortgages	Feb 2022 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`480200020026007`

Property Details

APN / Parcel Number

Primary APN	`480200020026007`
Alternative APNs	`4802000200260070111` `174948`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
Gross Area	1,952 sqft
1st Floor Area	1,556 sqft
Flooring	Carpet

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1983
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	109 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	396 sqft
Driveway	Driveway
Driveway Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	184 sqft
Fence	Fence
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	174948
Old Parcel Number	4802000200260070111
Street Address	3909 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 2A 3B BLOCK B ACRES .201
Legal Subdivision	GLENDALE
Legal Block	B
Legal Lot Number	2A,3B B3
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1020
Census Tract	2600

Owner

Source: McLennan County records, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3909 COBBS DR, WACO, TX 76708-3013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Mar 11, 2019	Vendor's Lien, Transfer PROVIDENT FUNDING ASSOCIATES LP
Sep 27, 2018	Warranty Deed, Transfer CPM 401K

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019
Deed Sale	Mar 11, 2019
Prior Sale	May 10, 2011
Deed Document Number	2019008173
Record Updated	Jun 7, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3909 COBBS DR, WACO, TX 76708-3013
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005744
Date	Feb 11, 2022
Instrument	2022005744

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	3909 COBBS DR, WACO, TX 76708-3013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015483
Date	May 14, 2020
Instrument	2020015483

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 11, 2019
Property Address	3909 COBBS DR, WACO, TX 76708-3013
Document Number	0000008173
Map Reference	VOL 717 PG 308
Instrument Date	Mar 7, 2019
Instrument	2019008173
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 COBBS DR, WACO, TX 76708-3013

Mortgage

Document Number	0000008174
Date	Mar 11, 2019
Instrument	2019008174

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 27, 2018
Property Address	3909 COBBS DR, WACO, TX 76708-3013
Document Number	0000034384
Instrument Date	Sep 25, 2018
Instrument	34384
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	FIRST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 CROWN AVE CONROE TX 77301, CONROE, TX 77301

Mortgage

Document Number	34385
Date	Sep 27, 2018
Instrument	34385

Lender

Name	CPM 401K
Address	313 ASHWOOD LN, GEORGETOWN, TX 78628-3901

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

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
2025		$246,210 (+4.57%) Land $20,050 Building $226,160	$246,210 (+4.57%) Land $20,050 Building $226,160
2024	$5,466.00 (+3.56%)
2023		$235,440 Land $20,050 Building $215,390	$235,440 Land $20,050 Building $215,390
2022	$5,278.00

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 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 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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