409 Dearborn St, Waco, TX 76704 Property Records

McLennan County property record for 409 Dearborn St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1958
Lot Size	0.17 acres (7,411 sqft)
Owner	2 Individual Names on Record
Last Sale	$83,200 (Aug 2018)
Tax Bill	$68 (2022)
Deeds & Mortgages	Mar 2020 Loan Modification Oct 2019 Loan Modification + 6 more
Flood Zone	Zone X (moderate risk)
APN	`48-035202-001400-6`

Property Details

APN / Parcel Number

Primary APN	`48-035202-001400-6`
Alternative APNs	`4803520200140060111` `187996`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Flooring	Carpet

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,411 sqft (0.17 acres)
Lot Dimensions	152 ft deep x 37 ft wide
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft
Driveway	Concrete Driveway
Driveway Area	300 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Patio Area	316 sqft
Storage Building	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 DEARBORN ST
City	WACO
State	TX
Zip	76704-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS NO 2 LOT 4 BLOCK 3 ACRES .1702
Legal Subdivision	RIVER OAKS NO 2
Legal Block	3
Legal Lot Number	4
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2010
Census Tract	1401

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	PO BOX 5793, WACO, TX 76708-0793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Loan Modification, Mortgage PRIVATE INDIVIDUAL
Oct 29, 2019	Loan Modification, Mortgage PRIVATE INDIVIDUAL
Aug 14, 2018	Warranty Deed, Transfer PRIVATE INDIVIDUAL
Jun 27, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Nov 1, 2017	Deed of Trust, Mortgage PRIVATE INDIVIDUAL
Mar 21, 2017	Trustee's Deed, Construction Loan · Construction Mortgage PRIVATE INDIVIDUAL
Mar 7, 2017	Trustee's Deed, Construction Loan · Construction Mortgage PRIVATE INDIVIDUAL
Mar 1, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	201828897
Prior Transfer Date	Jun 5, 2018
Prior Transfer Doc	0000021273
Record Updated	Oct 29, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000009751
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 DEARBORN WACO TX 76708, WACO, TX 76708

Mortgage

Document Number	0000009751
Date	Mar 24, 2020
Instrument	9751

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	WACO, TX 76714

Agreement

Amount	Amount Recorded
Term	204 Months
Due	Mar 23, 2037

Interest

Rate	9.99%

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000036235
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 DEARBORN ST WACO TX 767041431, WACO, TX 76704-1431

Mortgage

Document Number	0000036235
Date	Oct 30, 2019
Instrument	36235

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	WACO, TX 76714-7894

Agreement

Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 14, 2018
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000028897
Instrument Date	Aug 1, 2018
Instrument	28897
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 5793 WACO TX 767080793, WACO, TX 76708-0793

Mortgage

Document Number	28898
Date	Aug 14, 2018
Instrument	28898

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	WACO, TX 76714-7894
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Aug 13, 2021

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 27, 2018
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000021273
Instrument Date	Jun 5, 2018
Instrument	21273
Transaction Type	Foreclosure
Record Updated	Jul 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 7894 WACO TX 767147894, WACO, TX 76714-7894

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000039681
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	409 DEARBORN ST WACO TX 767041431, WACO, TX 76704-1431

Mortgage

Document Number	0000039681
Date	Dec 4, 2017
Instrument	39681

Lender

Name	PRIVATE INDIVIDUAL
Type	Funding / Finance Company
Address	WACO, TX 76714

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Dec 3, 2020

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 21, 2017
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Instrument Date	Mar 8, 2017
Instrument	8864
Transaction Type	Construction Loan
Record Updated	Aug 18, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 DEARBORN ST WACO TX 767041431, WACO, TX 76704-1431

Mortgage

Document Number	0000008864
Date	Mar 21, 2017
Instrument	8864

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	WACO, TX 76714

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 20, 2018

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 7, 2017
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Instrument Date	Feb 27, 2017
Instrument	7212
Transaction Type	Construction Loan
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5793 WACO TX 767080793, WACO, TX 76708-0793

Mortgage

Document Number	0000007212
Date	Mar 7, 2017
Instrument	7212

Lender

Name	PRIVATE INDIVIDUAL
Type	Mortgage Company
Address	WACO, TX 76714-7894

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 6, 2018

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 1, 2017
Property Address	409 DEARBORN ST, WACO, TX 76704-1431
Document Number	0000006335
Instrument Date	Feb 20, 2017
Instrument	6335
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1212 KINGS HWY WACO TX 767041940, WACO, TX 76704-1940

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$126,927 (+1%)	$132,376 (-0.21%) Land $14,155 Building $118,221
2025		$115,388 (-2.56%)	$132,650 (+12.02%) Land $12,830 Building $119,820
2023		$118,420 Land $12,830 Building $105,590	$118,420 Land $12,830 Building $105,590
2022	$68.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 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 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 0.01% 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 WACO serves 146,241 people · EPA ID TX1550008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Central Link Broadband, Nextlink.

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