401 Dearborn St, Waco, TX 76704 Property Records

McLennan County property record for 401 Dearborn St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1958
Lot Size	0.156 acres (6,795 sqft)
Owner	Company Name on Record
Last Sale	$60,000 (Apr 2013)
Tax Bill	$1,349 (2025)
Deeds & Mortgages	Feb 2020 Loan Modification Feb 2019 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`48-035202-001500-2`

Property Details

APN / Parcel Number

Primary APN	`48-035202-001500-2`
Alternative APNs	`4803520200150020111` `187997`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Carpet

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	157 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	238 sqft
Carport	Carport
Carport Area	238 sqft
Driveway	Concrete Driveway
Driveway Area	200 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft
Storage Building	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 DEARBORN ST
City	WACO
State	TX
Zip	76704-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS NO 2 LOT 5 BLOCK 3 ACRES .156
Legal Subdivision	RIVER OAKS NO 2
Legal Block	3
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2010
Census Tract	1401

Owner

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	Company Name on Record
Mailing Address	804 CROSSBOW CIR, WOODWAY, TX 76712-3404
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Feb 1, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Feb 1, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK/ALVA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2013 · Amount on Record
Deed Sale	Apr 4, 2013 · Amount on Record
Prior Sale	Jul 27, 2006 · Amount on Record
Deed Document Number	201310465
Record Updated	Oct 29, 2026

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	401 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000005154
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 DEARBORN ST

Mortgage

Document Number	0000005154
Date	Feb 14, 2020
Instrument	5154

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 13, 2021

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	401 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000006853
Instrument Date	Feb 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 3, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	2812 ALEXANDER AVE WACO TX 767082636, WACO, TX 76708-2636

Mortgage

Document Number	0000006853
Date	Mar 4, 2019
Instrument	6853

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 3, 2020

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	401 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000010023
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 DEARBORN ST

Mortgage

Document Number	0000010023
Date	Mar 29, 2018
Instrument	10023

Lender

Name	CENTRAL NAT'L BK/ALVA
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 28, 2019

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 24, 2026

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
2026		$60,000 (-) Land $12,230 Building $47,770	$60,000 (-) Land $12,230 Building $47,770
2025	$1,349.00 (+12.89%)	$60,000 (+13.21%) Land $12,230 Building $47,770	$60,000 (+13.21%) Land $12,230 Building $47,770
2024	$1,195.00 (+0.59%)
2023		$53,000 Land $12,230 Building $40,770	$53,000 Land $12,230 Building $40,770
2022	$1,188.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 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 364 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

May also be available: AT&T, Central Link Broadband, Nextlink.

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