401 Nicole Ln, Waco, TX 76705 Property Records

McLennan County property record for 401 Nicole Ln, Waco, TX 76705

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,009 sqft · built 1987
Lot Size	3.05 acres (133,032 sqft)
Owner	2 Individual Names on Record
Last Sale	$444,400 (Oct 2020)
Tax Bill	$5,347 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-113805-000200-0`

Property Details

APN / Parcel Number

Primary APN	`20-113805-000200-0`
Alternative APN	`383973`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,009 sqft Living Area
Gross Area	2,477 sqft
1st Floor Area	2,009 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	133,032 sqft
Lot Dimensions	551 ft deep x 322 ft wide
Garage Type	Attached
Garage Area	468 sqft
Driveway	Concrete Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft
Utility Building	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 NICOLE LN
City	WACO
State	TX
Zip	76705-5723
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NICOLE LANE ADDITION LOT 2 BLOCK 1 ACRES 3.054
Legal Subdivision	NICOLE LANE ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	ELM MOTT
Census Block Group	1
Census Block	1013
Census Tract	3402

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	2 Individual Names on Record
Mailing Address	401 NICOLE LN, WACO, TX 76705-5723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Vendor's Lien, Transfer · Conventional Mortgage KELLER MORTGAGE LLC
Dec 27, 2019	Loan Modification, Mortgage ALLIANCE BK CTRL TX
Mar 12, 2018	Vendor's Lien, Transfer · Commercial Mortgage CENTRAL NATIONAL BANK
Aug 11, 2017	Deed of Trust, Mortgage COMMUNITY BK&TR WACO TX
May 2, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Mar 12, 2018 · Amount on Record
Deed Document Number	202038893
Prior Transfer Date	Mar 8, 2018
Prior Transfer Doc	0000007933
Record Updated	Oct 29, 2026

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Oct 30, 2020
Property Address	401 NICOLE LN, WACO, TX 76705-5723
Document Number	0000038893
Map Reference	FILE 2018027062
Instrument Date	Oct 29, 2020
Instrument	2020038893
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 NICOLE LN, WACO, TX 76705-5723

Mortgage

Document Number	0000038894
Date	Oct 30, 2020
Instrument	2020038894

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	401 NICOLE LN, WACO, TX 76705-5723
Document Number	0000000119
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 NICOLE LN WACO TX 767055723, WACO, TX 76705-5723

Mortgage

Document Number	0000000119
Date	Jan 2, 2020
Instrument	119

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76714

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2021

Interest

Rate	5.85%

March 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 12, 2018
Property Address	401 NICOLE LN, WACO, TX 76705-5723
Document Number	0000007933
Map Reference	DOC2009032790
Instrument Date	Mar 8, 2018
Instrument	2018007933
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	8478 GHOLSON RD, WACO, TX 76705-5426

Mortgage

Document Number	0000007934
Date	Mar 12, 2018
Instrument	2018007934

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	401 NICOLE LN, WACO, TX 76705-5723
Document Number	0000026943
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	211 CINDY ANN ST LORENA TX 766559750, LORENA, TX 76655-9750

Mortgage

Document Number	0000026943
Date	Aug 17, 2017
Instrument	26943

Lender

Name	COMMUNITY BK&TR WACO TX
Type	Bank
Address	WACO, TX 76703-2303

Agreement

Amount	Amount Recorded

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 2, 2017
Property Address	401 NICOLE LN, WACO, TX 76705-5723
Document Number	0000013738
Instrument Date	Apr 24, 2017
Instrument	13738
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 CINDY ANN ST LORENA TX 766559750, LORENA, TX 76655-9750

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Connally Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$494,228 (-3.67%) Land $77,671 Building $416,557	$494,228 (-3.97%) Land $77,671 Building $416,557
2025	$5,347.00 (+7.76%) Homeowner's exemption	$513,057 (-7.95%)	$514,660 (-7.66%) Land $64,300 Building $450,360
2024	$4,962.00 (+7.68%)
2023		$557,360 Land $64,300 Building $493,060	$557,360 Land $64,300 Building $493,060
2022	$4,608.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Moderate above 62% of the US · above 46% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	ROSS WSC serves 2,811 people · EPA ID TX1550042
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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