406 N Oak St, Waco, TX 76705 Property Records

McLennan County property record for 406 N Oak St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,460 sqft · built 2020
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$263,208 (Mar 2024)
Tax Bill	$3,452 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-030600-010500-0`

Property Details

APN / Parcel Number

Primary APN	`20-030600-010500-0`
Alternative APNs	`2003060001050000101` `113714`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,460 sqft Living Area
Gross Area	1,944 sqft
1st Floor Area	1,460 sqft
Flooring	Carpet

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 N OAK ST
City	WACO
State	TX
Zip	76705-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LAKEVIEW LOT 2 BLOCK 24 ACRES 0.1722
Legal Subdivision	LAKEVIEW
Legal Block	24
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3025
Census Tract	3200

Owner

Source: McLennan County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	128 DURIE, ROBINSON, TX 76706-5343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · FHA Mortgage AMCAP MORTGAGE LTD
Jul 20, 2021	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage GOLD FINANCIAL SERVICES
Dec 11, 2023	Correction Deed
Sep 22, 2020	Deed of Trust, Mortgage AMERICAN BK NA
Jul 6, 2020	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2024 · Amount on Record
Deed Sale	Mar 6, 2024 · Amount on Record
Prior Sale	Dec 11, 2023
Deed Document Number	20246674
Prior Transfer Date	May 13, 2021
Prior Transfer Doc	0000037591
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	404 N OAK ST, WACO, TX 76705-1358
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3717 WINGATE DR, WACO, TX 76706-4234

Mortgage

Document Number	0000006295
Date	Mar 4, 2024
Instrument	2024006295

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Aug 1, 2051

July 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 20, 2021
Property Address	404 N OAK ST, WACO, TX 76705-1358
Document Number	0000028693
Map Reference	VOL 254 PG 502
Instrument Date	Jul 19, 2021
Instrument	2021028693
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3717 WINGATE DR, WACO, TX 76706-4234
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028694
Date	Jul 20, 2021
Instrument	2021028694

Lender

Name	GOLD FINANCIAL SERVICES
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 11, 2023
Property Address	404 N OAK ST, WACO, TX 76705-1358
Document Number	0000037591
Map Reference	VOL 254 PG 502
Instrument Date	May 13, 2021
Instrument	2023037591
Record Updated	Feb 13, 2024

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N OAK ST, WACO, TX 76705-1358

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	404 N OAK ST, WACO, TX 76705-1358
Document Number	0000033724
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	207 SUN VALLEY BLVD HEWITT TX 766433510, HEWITT, TX 76643-3510

Mortgage

Document Number	0000033724
Date	Sep 23, 2020
Instrument	33724

Lender

Name	AMERICAN BK NA
Address	WACO, TX 76715

Agreement

Amount	Amount Recorded

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 6, 2020
Property Address	404 N OAK ST, WACO, TX 76705-1358
Document Number	0000022166
Instrument Date	Jul 2, 2020
Instrument	22166
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	207 SUN VALLEY BLVD HEWITT TX 766433510, HEWITT, TX 76643-3510

Tax Assessment & Valuation

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		$245,675 (-5.37%) Land $38,775 Building $206,900	$245,675 (-5.37%) Land $38,775 Building $206,900
2025	$3,452.00 (-13.38%) Homeowner's exemption	$259,620 (+4.38%) Land $35,180 Building $224,440	$259,620 (+4.38%) Land $35,180 Building $224,440
2024	$3,985.00 (+161.48%)
2023		$248,730 Land $35,180 Building $213,550	$248,730 Land $35,180 Building $213,550
2022	$1,524.00

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
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

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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