4091 N Rock Creek Loop, Waco, TX 76708 Property Records

McLennan County property record for 4091 N Rock Creek Loop, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,297 sqft · built 2018
Lot Size	5.41 acres (235,660 sqft)
Owner	2 Individual Names on File
Tax Bill	$633 (2025)
Deeds & Mortgages	Oct 2024 Sale Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-003615-000102-0`

Property Details

APN / Parcel Number

Primary APN	`18-003615-000102-0`
Alternative APN	`373935`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,297 sqft Living Area
Gross Area	3,548 sqft
1st Floor Area	2,297 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	235,660 sqft
Lot Dimensions	972 ft deep x 215 ft wide
Garage Type	Attached
Garage Area	1,024 sqft
Driveway	Concrete Driveway
Driveway Area	9,360 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4091 N ROCK CREEK LOOP
City	WACO
State	TX
Zip	76708-7124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROCK CREEK ADDITION LOT 2 BLOCK 1 ACRES 5.41
Legal Subdivision	ROCK CREEK ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	CHINA SPRING
Census Block Group	2
Census Block	2017
Census Tract	4102

Owner

4091 N Rock Creek Loop is owned and occupied by two individuals who acquired it in October 2024.

Source: McLennan County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4091 N ROCK CREEK LOOP, WACO, TX 76708-7124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2024	Warranty Deed, Transfer FIRST TITLE
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Aug 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Feb 16, 2018	Deed of Trust, Mortgage COMMUNITY BK & TR WACO TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2024
Deed Sale	Oct 8, 2024
Prior Sale	Nov 17, 2016 · Amount on File
Deed Document Number	202438512
Prior Transfer Date	Nov 16, 2016
Prior Transfer Doc	0000037994
Record Updated	Oct 29, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 8, 2024
Property Address	4091 N ROCK CREEK LOOP, WACO, TX 76708-7124
Document Number	0000038512
Map Reference	FILE 2015023666
Instrument Date	Oct 8, 2024
Instrument	2024038512
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	FIRST TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 15545, WACO, TX 76715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4091 N ROCK CREEK LOOP, WACO, TX 76708-7124

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4091 N ROCK CREEK LOOP, WACO, TX 76708-7124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010582
Date	Mar 31, 2020
Instrument	2020010582

Lender

Name	LOANPAL LLC
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4091 N ROCK CREEK LOOP, WACO, TX 76708-7124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029163
Date	Aug 16, 2018
Instrument	2018029163

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4091 N ROCK CREEK LOOP, WACO, TX 76708-7124
Document Number	0000005085
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7001 N RIVER XING CHINA SPRING TX 766333036, CHINA SPRING, TX 76633-3036

Mortgage

Document Number	0000005085
Date	Feb 19, 2018
Instrument	5085

Lender

Name	COMMUNITY BK & TR WACO TX
Address	WACO, TX 76703-2303

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4091 N Rock Creek Loop was $633, down 87.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	China Spring Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$607,873 (-2.52%) Land $79,819 Building $528,054	$607,873 (-2.52%) Land $79,819 Building $528,054
2025	$633.00 (-87.95%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$623,580 Land $67,370 Building $556,210	$623,580 Land $67,370 Building $556,210
2024	$5,252.00
2023		$469,000 Land $67,370 Building $401,630	$469,000 Land $67,370 Building $401,630
2022	$5,518.00

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

Flood

FEMA maps place 4091 N Rock Creek Loop in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2007.

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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2007–2012)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2012 · 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 4091 N Rock Creek Loop is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 50% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	CROSS COUNTRY WSC serves 3,939 people · EPA ID TX1550059
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 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	2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	100 / 20

May also be available: AT&T.

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