McLennan County property record for 400 S 4th St, Waco, TX 76706
| Property Type | Commercial |
|---|---|
| Details | 19,192 sqft · built 1948 |
| Lot Size | 1.4 acres (61,245 sqft) |
| Owner | Company Name on Record |
| Last Sale | $10,000,000 (Dec 2006) |
| Tax Bill | $3,146 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Mar 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-032300-043900-0 |
| Primary APN | 48-032300-043900-0 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 19,192 sqft Gross Area |
| 1st Floor Area | 19,192 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Brick Veneer |
| Construction Type | Concrete Block |
| Roof Type | Sawtooth |
| Roof Material | Built-Up Asphalt |
| Lot Area | 61,245 sqft |
| Lot Dimensions | 175 ft deep x 350 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 400 S 4TH ST |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76706-1028 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | 2007 TIF |
| Legal Description | ORIG TAYLOR & BEALL LOT 16 BLOCK 26 ACRES 1.406 |
| Legal Subdivision | ORIG TAYLOR & BEALL |
| Legal Block | 26 |
| Legal Lot Number | 16 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 100 |
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 647, WACO, TX 76703-0647 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 26, 2021 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK & TRUST |
| Mar 12, 2021 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2006 · Amount on Record |
| Deed Sale | Dec 15, 2006 · Amount on Record |
| Deed Document Number | 200646377 |
| Last Transfer Date | Jun 26, 2013 |
| Transfer Doc | 0000027559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 400 S 4TH ST, WACO, TX 76706-1028 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000020408 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021020408 |
| Name | COMMUNITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WACO, TX 76703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 400 S 4TH ST, WACO, TX 76706-1028 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000008873 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021008873 |
| Name | COMMUNITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WACO, TX 76703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $3,026,643 (-3.82%) Land $1,837,361 Building $1,189,282 | $3,026,643 (-3.82%) Land $1,837,361 Building $1,189,282 | |
| 2025 | $3,146.00 Additional exemption filed | $3,146,790 (-) Land $1,837,360 Building $1,309,430 | $3,146,790 (-) Land $1,837,360 Building $1,309,430 |
| 2024 | $3,146.00 | ||
| 2023 | $3,146,790 Land $1,837,360 Building $1,309,430 | $3,146,790 Land $1,837,360 Building $1,309,430 | |
| 2022 | $3,146.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 in force |
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 | Not rated no burnable land within 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, AT&T, Nextlink, Spectrum, T-Mobile, Verizon.
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