McLennan County property record for 405 Howard St, Moody, TX 76557
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1920 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $666 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-001500-003500-0 |
| Primary APN | 38-001500-003500-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,100 sqft (0.209 acres) |
| Lot Dimensions | 130 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Storage Building | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 HOWARD ST |
|---|---|
| City | MOODY |
| State | TX |
| Zip | 76557-3624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | CONNALLY LOT B9 11 A13 BLOCK 14 ACRES .2089 |
| Legal Subdivision | CONNALLY |
| Legal Block | 14 |
| Legal Lot Number | B9 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | MOODY-LORENA |
| Census Block Group | 1 |
| Census Block | 1093 |
| Census Tract | 3802 |
405 Howard St is owned and occupied by an individual.
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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 1452, MOODY, TX 76557-1452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 405 HOWARD ST, MOODY, TX 76557-3624 |
| Document Number | 0000011209 |
| Instrument Date | Mar 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2018 |
| Title Company | AMERICAN GUARANTY TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 405 HOWARD ST MOODY TX 765573624, MOODY, TX 76557-3624 |
| Document Number | 0000011209 |
|---|---|
| Date | Apr 9, 2018 |
| Instrument | 11209 |
| Name | GENCO FCU |
|---|---|
| Type | Credit Union |
| Address | WACO, TX 76714-7246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 8, 2028 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 405 Howard St was $666 with a homeowner's exemption, down 78.1% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Moody City |
| Unified School District | Moody Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $94,312 (+1%) | $143,950 (-8.99%) Land $24,479 Building $119,471 | |
| 2025 | $666.00 (-78.08%) Homeowner's exemption | $85,738 Land $22,200 Building $135,970 | $158,170 Land $22,200 Building $135,970 |
| 2024 | $3,039.00 | ||
| 2023 | $132,620 Land $9,740 Building $122,880 | $132,620 Land $9,740 Building $122,880 | |
| 2022 | $538.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Howard St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 405 Howard 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 64% of the US · lower than 88% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MOODY serves 1,525 people · EPA ID TX1550006 |
|---|---|
| Water Source | Purchased surface water from BLUEBONNET WSC |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 7 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 253 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Nextlink.
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