McLennan County property record for 3920 Memorial Dr, Waco, TX 76711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 1948 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $188,423 (Mar 2022) |
| Tax Bill | $2,264 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-022000-054000-2 |
| Primary APN | 48-022000-054000-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Flooring | Carpet |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 185 ft deep x 52 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 452 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3920 MEMORIAL DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76711-1460 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | HAYS HTS 2 LOT 5A BLOCK 3 ACRES 0.22 |
| Legal Subdivision | HAYS HTS 2 |
| Legal Block | 3 |
| Legal Lot Number | 5A |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 4300 |
3920 Memorial Dr is owned and occupied by two individuals who bought it in March 2022.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3920 MEMORIAL DR, WACO, TX 76711-1460 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 1, 2022 | Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on File |
| Deed Sale | Mar 1, 2022 · Amount on File |
| Deed Document Number | 20227945 |
| Prior Transfer Date | Jan 30, 2015 |
| Prior Transfer Doc | 0000003166 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 3920 MEMORIAL DR, WACO, TX 76711-1460 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3920 MEMORIAL DR, WACO, TX 76711-1460 |
| Document Number | 0000038387 |
|---|---|
| Date | Oct 8, 2024 |
| Instrument | 2024038387 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 329 Months |
| Due | Mar 1, 2052 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Mar 1, 2022 |
| Property Address | 3920 MEMORIAL DR, WACO, TX 76711-1460 |
| Document Number | 0000007945 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 2022007945 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | ALAMO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3920 MEMORIAL DR, WACO, TX 76711-1460 |
| Name | Verified Name |
|---|---|
| Address | 3920 MEMORIAL DR, WACO, TX 76711-1460 |
| Document Number | 0000007946 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 2022007946 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 3920 Memorial Dr was $2,264 with a homeowner's exemption, down 15.6% 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 | $178,302 (-10.76%) Land $20,029 Building $158,273 | $178,302 (-10.76%) Land $20,029 Building $158,273 | |
| 2025 | $2,264.00 (-15.62%) Homeowner's exemption | $199,790 Land $18,110 Building $181,680 | $199,790 Land $18,110 Building $181,680 |
| 2024 | $2,683.00 | ||
| 2023 | $182,720 Land $18,110 Building $164,610 | $182,720 Land $18,110 Building $164,610 | |
| 2022 | $3,568.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3920 Memorial Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1991) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 1991 · rainfall accumulation |
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 3920 Memorial Dr 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 | 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 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 |
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