4128 Riata Ranch Rd, Waco, TX 76705 Property Records

McLennan County property record for 4128 Riata Ranch Rd, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 2018
Lot Size	0.138 acres (6,012 sqft)
Owner	2 Individual Names on File
Last Sale	$170,200 (Mar 2019)
Tax Bill	$4,126 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-043011-000513-0`

Property Details

APN / Parcel Number

Primary APN	`28-043011-000513-0`
Alternative APN	`383012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
Gross Area	1,877 sqft
1st Floor Area	1,516 sqft
Flooring	Carpet

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	6,012 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	361 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	106 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4128 RIATA RANCH RD
City	WACO
State	TX
Zip	76705-3810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH FORK PH 5 LOT 13 BLOCK 5 ACRES .138
Legal Subdivision	SOUTH FORK PH 5
Legal Block	5
Legal Lot Number	13
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	4
Census Block	4010
Census Tract	1700

Owner

4128 Riata Ranch Rd is owned and occupied by two individuals who bought it in March 2019.

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	2 Individual Names on File
Mailing Address	4128 RIATA RANCH RD, WACO, TX 76705-3810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 7, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 6, 2019	Vendor's Lien, Transfer AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2019 · Amount on File
Deed Sale	Mar 6, 2019 · Amount on File
Deed Document Number	20197130
Prior Transfer Date	Feb 28, 2019
Prior Transfer Doc	0000007130
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4128 RIATA RANCH RD, WACO, TX 76705-3810
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005343
Date	Feb 20, 2026
Instrument	2026005343

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 11, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4128 RIATA RANCH RD, WACO, TX 76705-3810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027197
Date	Aug 7, 2020
Instrument	2020027197

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

March 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 6, 2019
Property Address	4128 RIATA RANCH RD, WACO, TX 76705-3810
Document Number	0000007130
Map Reference	FILE 2018008307
Instrument Date	Feb 28, 2019
Instrument	2019007130
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4090 SOUTH HIGHWAY ROAD, 4090, COLLEGE STATION, TX 77845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4128 RIATA RANCH RD, WACO, TX 76705-3810

Mortgage

Document Number	0000007131
Date	Mar 6, 2019
Instrument	2019007131

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	264 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 4128 Riata Ranch Rd was $4,126 with a homeowner's exemption, down 0.6% 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	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$258,562 (-0.23%) Land $39,799 Building $218,763	$258,562 (-0.23%) Land $39,799 Building $218,763
2025	$4,126.00 (-0.63%) Homeowner's exemption	$259,160 Land $36,130 Building $223,030	$259,160 Land $36,130 Building $223,030
2024	$4,152.00
2023		$262,260 Land $36,130 Building $226,130	$262,260 Land $36,130 Building $226,130
2022	$3,341.00

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

Flood

FEMA maps place 4128 Riata Ranch Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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	3 in force
Nearby Flood Claims	4 (2012–2026)
Most Recent Claim	Jun 2026 · 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 4128 Riata Ranch Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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