405 la Clede St, Waco, TX 76705 Property Records

McLennan County property record for 405 la Clede St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1940
Lot Size	0.204 acres (8,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,298 (Feb 2025)
Tax Bill	$2,815 (2025)
Deeds & Mortgages	Feb 2025 Second Mortgage Jun 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-015500-001500-0`

Property Details

APN / Parcel Number

Primary APN	`28-015500-001500-0`
Alternative APNs	`2801550000150000111` `123210`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Flooring	Wood

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1957
Exterior Material	Wood
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,904 sqft (0.204 acres)
Lot Dimensions	159 ft deep x 56 ft wide
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	45 sqft
Storage Building	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 LA CLEDE ST
City	WACO
State	TX
Zip	76705-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FLORISSANT PLACE LOT 21 BLOCK 1 ACRES .2044
Legal Subdivision	FLORISSANT PLACE
Legal Block	1
Legal Lot Number	21
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	4
Census Block	4004
Census Tract	1600

Owner

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 Record
Mailing Address	405 LA CLEDE ST, WACO, TX 76705-3051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IDAHO HOUSING & FINANCE ASSN
Jun 6, 2024	Deed of Trust, Mortgage · Line of Credit ALLIANCE BANK CENTRAL TEXAS
Feb 19, 2025	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Mar 26, 2019 · Amount on Record
Deed Document Number	20254813
Prior Transfer Date	Mar 22, 2019
Prior Transfer Doc	0000009998
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	405 LA CLEDE ST, WACO, TX 76705-3051
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004815
Date	Feb 19, 2025
Instrument	2025004815

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	405 LA CLEDE ST, WACO, TX 76705-3051
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CAMP GROUND RD, WACO, TX 76705-3117

Mortgage

Document Number	0000016718
Date	Jun 6, 2024
Instrument	2024016718

Lender

Name	ALLIANCE BANK CENTRAL TEXAS
Type	Bank
Address	WACO, TX 76710

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 31, 2025

February 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 19, 2025
Property Address	405 LA CLEDE ST, WACO, TX 76705-3051
Document Number	0000004813
Map Reference	VOL 249 PG 182
Instrument Date	Feb 14, 2025
Instrument	2025004813
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	ALA TITLE, ALAMO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 CAMP GROUND RD, BELLMEAD, TX 76705-3117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LA CLEDE ST, WACO, TX 76705-3051

Mortgage

Document Number	0000004814
Date	Feb 19, 2025
Instrument	2025004814

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bellmead City
County	McLennan County
Unified School District	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$202,825 (+19.08%) Land $31,342 Building $171,483	$202,825 (+19.08%) Land $31,342 Building $171,483
2025	$2,815.00 (+24.12%)	$170,320 (+18.65%) Land $28,490 Building $141,830	$170,320 (+18.65%) Land $28,490 Building $141,830
2024	$2,268.00 (-11.68%)
2023		$143,550 Land $28,490 Building $115,060	$143,550 Land $28,490 Building $115,060
2022	$2,568.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.03% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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