McLennan County property record for 4003 Cove Dr, Waco, TX 76705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,015 sqft · built 1986 |
| Lot Size | 0.297 acres (12,955 sqft) |
| Owner | Individual Name on File |
| Last Sale | $62,500 (Apr 2010) |
| Tax Bill | $1,716 (2025) |
| Deeds & Mortgages | Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-032710-000100-1 |
| Primary APN | 28-032710-000100-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,015 sqft Living Area |
| 1st Floor Area | 2,015 sqft |
| Flooring | Carpet |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,955 sqft (0.297 acres) |
| Lot Dimensions | 130 ft deep x 16 ft wide |
| Garage Type | Carport |
| Garage Area | 288 sqft |
| Carport | Carport |
| Carport Area | 288 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,680 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 892 sqft |
| Storage Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4003 COVE DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76705-3461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | PIRATES COVE LOT 1 BLOCK 1 ACRES .2974 |
| Legal Subdivision | PIRATES COVE |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 1700 |
4003 Cove Dr is owned and occupied by an individual who bought it in April 2010.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4003 COVE DR, WACO, TX 76705-3461 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2010 · Amount on File |
| Deed Sale | Apr 22, 2010 · Amount on File |
| Deed Document Number | 201012074 |
| Prior Transfer Date | Apr 21, 2010 |
| Prior Transfer Doc | 0000012074 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 4003 COVE DR, WACO, TX 76705-3461 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001586 |
|---|---|
| Date | Jan 15, 2019 |
| Instrument | 2019001586 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4003 Cove Dr was $1,716 with exemptions applied, up 21.1% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Bellmead City |
| County | McLennan County |
| Unified School District | La Vega Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $214,088 (-15.91%) Land $22,541 Building $191,547 | $214,088 (-29.49%) Land $22,541 Building $191,547 | |
| 2025 | $1,716.00 (+21.1%) Homeowner's exemption Senior Citizen's exemption | $254,593 Land $20,470 Building $283,170 | $303,640 Land $20,470 Building $283,170 |
| 2024 | $1,417.00 | ||
| 2023 | $253,430 Land $20,470 Building $232,960 | $253,430 Land $20,470 Building $232,960 | |
| 2022 | $1,256.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4003 Cove Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.
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 | 3 in force |
| Nearby Flood Claims | 4 (2012–2026) |
| Most Recent Claim | Jun 2026 · 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 4003 Cove Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 83% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 BELLMEAD serves 10,664 people · EPA ID TX1550001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Arsenic resolved · Jan 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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.
Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
May also be available: AT&T, Nextlink.
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