403 N Oak St, Waco, TX 76705 Property Records

McLennan County property record for 403 N Oak St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,016 sqft · built 1985
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$249,900 (Aug 2022)
Tax Bill	$3,975 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-030600-001102-0`

Property Details

APN / Parcel Number

Primary APN	`20-030600-001102-0`
Alternative APN	`321130`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	2,016 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	512 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	266 sqft
Patio Area	120 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	403 N OAK ST
City	WACO
State	TX
Zip	76705-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LAKEVIEW LOT 8 9 BLOCK 5 ACRES .3444
Legal Subdivision	LAKEVIEW
Legal Block	5
Legal Lot Number	8
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3031
Census Tract	3200

Owner

403 N Oak St is owned and occupied by two individuals who bought it in August 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	403 N OAK ST, WACO, TX 76705-1357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Vendor's Lien, Transfer · VA Mortgage NAVY FCU
Dec 6, 2021	Vendor's Lien, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF CENTRAL CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2022 · Amount on File
Deed Sale	Aug 17, 2022 · Amount on File
Prior Sale	Dec 6, 2021 · Amount on File
Deed Document Number	202233596
Prior Transfer Date	Nov 20, 2021
Prior Transfer Doc	0000049442
Record Updated	Oct 29, 2026

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Aug 17, 2022
Property Address	403 N OAK ST, WACO, TX 76705-1357
Document Number	0000033596
Map Reference	VOL 254 PG 502
Instrument Date	Aug 10, 2022
Instrument	2022033596
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 N OAK ST, WACO, TX 76705-1357

Mortgage

Document Number	0000033597
Date	Aug 17, 2022
Instrument	2022033597

Lender

Name	NAVY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Dec 6, 2021
Property Address	403 N OAK ST, WACO, TX 76705-1357
Document Number	0000049442
Map Reference	VOL 254 PG 502
Instrument Date	Nov 20, 2021
Instrument	2021049442
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10416 RAYBURN WAY, WACO, TX 76708-5692

Mortgage

Document Number	0000049443
Date	Dec 6, 2021
Instrument	2021049443

Lender

Name	FIRST NATIONAL BANK OF CENTRAL CA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 403 N Oak St was $3,975 with exemptions applied, up 13.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$314,259 (+5.18%) Land $52,200 Building $262,059	$314,259 (+5.18%) Land $52,200 Building $262,059
2025	$3,975.00 (+13.09%) Homeowner's exemption Veteran's exemption	$298,780 Land $47,400 Building $251,380	$298,780 Land $47,400 Building $251,380
2024	$3,515.00
2023		$255,000 Land $47,400 Building $207,600	$255,000 Land $47,400 Building $207,600
2022	$3,299.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 403 N Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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
Nearby Flood Claims	2 (1995–2004)
Most Recent Claim	May 2004 · 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

Wildfire risk around 403 N Oak St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 LACY LAKEVIEW serves 7,275 people · EPA ID TX1550033
Water Source	Purchased surface water from CITY OF WACO
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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