4105 Erath St, Waco, TX 76710 Property Records

McLennan County property record for 4105 Erath St, Waco, TX 76710

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1952
Lot Size	0.264 acres (11,505 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,000 (Apr 2012)
Tax Bill	$1,570 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`48-038200-030300-0`

Property Details

APN / Parcel Number

Primary APN	`48-038200-030300-0`
Alternative APNs	`4803820003030000111` `190573`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,840 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	11,505 sqft (0.264 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	1,530 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	138 sqft
Patio Area	300 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4105 ERATH ST
City	WACO
State	TX
Zip	76710-5019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SOUTH OVERLOOK LOT 9 BLOCK W ACRES .2641
Legal Subdivision	SOUTH OVERLOOK
Legal Block	W
Legal Lot Number	9
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1011
Census Tract	2498

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	4105 ERATH ST, WACO, TX 76710-5019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNIVEST BANK & TRUST CO
Apr 19, 2018	Loan Modification, Mortgage TEXAS FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2012 · Amount on Record
Deed Sale	Apr 20, 2012 · Amount on Record
Prior Sale	Jun 25, 2007 · Amount on Record
Deed Document Number	201211736
Last Transfer Date	Mar 1, 2025
Transfer Doc	0000006128
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4105 ERATH ST, WACO, TX 76710-5019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028063
Date	Aug 8, 2018
Instrument	2018028063

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank
Address	ALEXANDRIA, VA 22313

Agreement

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

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	4105 ERATH ST, WACO, TX 76710-5019
Document Number	0000013720
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	May 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 ERATH ST WACO TX 767105019, WACO, TX 76710-5019

Mortgage

Document Number	0000013720
Date	Apr 30, 2018
Instrument	13720

Lender

Name	TEXAS FIRST ST BK
Type	Bank
Address	WOODWAY, TX 76712

Agreement

Amount	Amount Recorded

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		$220,000 (+7.32%) Land $28,532 Building $191,468	$220,000 (+7.32%) Land $28,532 Building $191,468
2025	$1,570.00 (+1.23%) Homeowner's exemption Senior Citizen's exemption	$205,000 (-) Land $22,550 Building $182,450	$205,000 (-) Land $22,550 Building $182,450
2024	$1,551.00 (-0.45%)
2023		$205,000 Land $22,550 Building $182,450	$205,000 Land $22,550 Building $182,450
2022	$1,558.00

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	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

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	0.02% 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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband.

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