4112 N 20th St, Waco, TX 76708 Property Records

McLennan County property record for 4112 N 20th St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1973
Lot Size	0.199 acres (8,688 sqft)
Owner	Individual Name on File
Last Sale	$192,400 (Mar 2021)
Tax Bill	$2,392 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-008401-001400-0`

Property Details

APN / Parcel Number

Primary APN	`48-008401-001400-0`
Alternative APNs	`4800840100140000111` `167315`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,732 sqft
1st Floor Area	1,232 sqft
Flooring	Carpet

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1991
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	8,688 sqft (0.199 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	500 sqft
Driveway	Concrete Driveway
Driveway Area	960 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Patio Area	100 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4112 N 20TH ST
City	WACO
State	TX
Zip	76708-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CEDAR RIDGE LOT 6 BLOCK 3 ACRES .1994
Legal Subdivision	CEDAR RIDGE
Legal Block	3
Legal Lot Number	6
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3001
Census Tract	3000

Owner

4112 N 20th St is owned and occupied by an individual who bought it in March 2021.

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	Individual Name on File
Mailing Address	4112 N 20TH ST, WACO, TX 76708-1633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Vendor's Lien, Transfer · Conventional Mortgage SENTE MORTGAGE INC
Oct 27, 2020	Vendor's Lien, Transfer · Commercial Mortgage NATIONAL UNITED
Feb 10, 2020	Loan Modification, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Oct 27, 2020 · Amount on File
Deed Document Number	20218285
Prior Transfer Date	Mar 5, 2021
Prior Transfer Doc	0000008285
Record Updated	Oct 29, 2026

March 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 8, 2021
Property Address	4112 N 20TH ST, WACO, TX 76708-1633
Document Number	0000008285
Map Reference	VOL 761 PG 512
Instrument Date	Mar 5, 2021
Instrument	2021008285
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4112 N 20TH ST, WACO, TX 76708-1633

Mortgage

Document Number	0000008286
Date	Mar 8, 2021
Instrument	2021008286

Lender

Name	SENTE MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Oct 27, 2020
Property Address	4112 N 20TH ST, WACO, TX 76708-1633
Document Number	0000038391
Map Reference	VOL 761 PG 512
Instrument Date	Oct 12, 2020
Instrument	2020038391
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4173, WACO, TX 76708-0415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5764, WACO, TX 76708-0764

Mortgage

Document Number	0000038392
Date	Oct 27, 2020
Instrument	2020038392

Lender

Name	NATIONAL UNITED
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	4112 N 20TH ST, WACO, TX 76708-1633
Document Number	0000009428
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4112 N 20TH ST WACO TX 767081633, WACO, TX 76708-1633

Mortgage

Document Number	0000009428
Date	Mar 20, 2020
Instrument	9428

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	216 Months
Due	Mar 19, 2038

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 4112 N 20th St was $2,392 with a homeowner's exemption, down 9% from the year before.

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		$177,929 (-5.13%) Land $30,841 Building $147,088	$177,929 (-5.13%) Land $30,841 Building $147,088
2025	$2,392.00 (-9.05%) Homeowner's exemption	$187,560 Land $28,060 Building $159,500	$187,560 Land $28,060 Building $159,500
2024	$2,630.00
2023		$179,300 Land $24,410 Building $154,890	$179,300 Land $24,410 Building $154,890
2022	$2,623.00

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

Flood

FEMA maps place 4112 N 20th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	3 (1979–1997)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 1997 · tidal / storm surge

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 4112 N 20th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.03% 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	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 422 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 · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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