424 Oriental Rd, Waco, TX 76710 Property Records

McLennan County property record for 424 Oriental Rd, Waco, TX 76710

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,201 sqft · built 2019
Lot Size	0.301 acres (13,125 sqft)
Owner	Individual Name on Record
Tax Bill	$8,147 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`480250000087000`

Property Details

APN / Parcel Number

Primary APN	`480250000087000`
Alternative APNs	`4802500000870000111` `178895`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,201 sqft Living Area
Gross Area	2,752 sqft
1st Floor Area	2,201 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	175 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	519 sqft
Patio Area	63 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	178895
Old Parcel Number	4802500000870000111
Street Address	424 ORIENTAL RD
City	WACO
State	TX
Zip	76710-7241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	KAREM PARK LOT 7A 8B BLOCK 5 ACRES .3013
Legal Subdivision	KAREM PARK
Legal Block	5
Legal Lot Number	7A,8B B8
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	4
Census Block	4005
Census Tract	2498

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Castle Heights Historic District listed 2009 · 181 contributing resources · NRIS 07000495

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: McLennan County records, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 21, WACO, TX 76703-0021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage EXTRACO BANKS NA
Feb 14, 2020	Loan Modification, Mortgage FIRST NAT'L BK/MCGREGOR
Dec 26, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2019
Deed Sale	Jul 17, 2019
Prior Sale	May 19, 2015
Deed Document Number	2019023566
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	424 ORIENTAL RD, WACO, TX 76710-7241
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 ORIENTAL RD, WACO, TX 76710-7241

Mortgage

Document Number	0000028484
Date	Sep 17, 2025
Instrument	2025028484

Lender

Name	EXTRACO BANKS NA
Type	Bank
Address	WOODWAY, TX 76712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Max Rate	10.7%

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	424 ORIENTAL RD, WACO, TX 76710-7241
Document Number	0000005927
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 ORIENTAL RD WACO TX 767107241, WACO, TX 76710-7241

Mortgage

Document Number	0000005927
Date	Feb 21, 2020
Instrument	5927

Lender

Name	FIRST NAT'L BK/MCGREGOR
Type	Bank
Address	MCGREGOR, TX 76657

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Dec 26, 2019
Property Address	424 ORIENTAL RD, WACO, TX 76710-7241
Document Number	0000042469
Instrument Date	Dec 23, 2019
Instrument	42469
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 989 SARATOGA CA 950710989, SARATOGA, CA 95071-0989

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

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
2025		$513,781 (+7.02%) Land $61,820 Building $506,820	$568,640 (+18.44%) Land $61,820 Building $506,820
2024	$8,147.00 (+12.56%)
2023		$480,100 Land $61,820 Building $418,280	$480,100 Land $61,820 Building $418,280
2022	$7,238.00

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
Nearby Flood Claims	3 (1979–1991)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 1991 · Severe Thunderstorms

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 518 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 · Fiber in parts of the area	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
Central Link Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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