4256 N Rock Creek Loop, Waco, TX 76708 Property Records

McLennan County property record for 4256 N Rock Creek Loop, Waco, TX 76708

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,018 sqft · built 2021
Lot Size	9.83 acres (428,630 sqft)
Owner	2 Individual Names on File
Last Sale	$702,240 (Sep 2025)
Tax Bill	$6,730 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-022703-000100-0`

Property Details

APN / Parcel Number

Primary APN	`18-022703-000100-0`
Alternative APN	`404022`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,018 sqft Living Area
Gross Area	3,683 sqft
1st Floor Area	2,643 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	428,630 sqft
Lot Dimensions	1,628 ft deep x 263 ft wide
Garage Type	Attached
Garage Area	665 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	497 sqft
Patio Area	256 sqft
Canopy	240 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4256 N ROCK CREEK LOOP
City	WACO
State	TX
Zip	76708-2222
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	KS CHARTRAND FARM LOT 1 BLOCK 1 ACRES 9.84
Legal Subdivision	KS CHARTRAND FARM
Legal Block	1
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	CHINA SPRING
Census Block Group	2
Census Block	2018
Census Tract	4102

Owner

4256 N Rock Creek Loop, a rural home, is owned and occupied by two individuals who bought it in September 2025.

Source: McLennan County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4256 N ROCK CREEK LOOP, WACO, TX 76708-2222
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
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 11, 2025	Vendor's Lien, Transfer · Conventional Mortgage SUSSER BANK
Mar 3, 2023	Vendor's Lien, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2025 · Amount on File
Deed Sale	Sep 11, 2025 · Amount on File
Prior Sale	Mar 3, 2023 · Amount on File
Deed Document Number	202527833
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4256 N ROCK CREEK LOOP, WACO, TX 76708-2222
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030322
Date	Aug 2, 2021
Instrument	2021030322

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Sep 11, 2025
Property Address	4256 N ROCK CREEK LOOP, WACO, TX 76708-2222
Document Number	0000027833
Instrument Date	Sep 10, 2025
Instrument	2025027833
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	DESIGNATED TITLE, DESIGNATED TITLE LLC

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 N ROCK CREEK LOOP, WACO, TX 76708-2222

Mortgage

Document Number	0000027834
Date	Sep 11, 2025
Instrument	2025027834

Lender

Name	SUSSER BANK
Type	Bank
Special Notes	Seller Financed

Agreement

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

March 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 3, 2023
Property Address	4256 N ROCK CREEK LOOP, WACO, TX 76708-2222
Document Number	0000005996
Instrument Date	Mar 3, 2023
Instrument	2023005996
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 N ROCK CREEK LOOP, WACO, TX 76708-2222

Mortgage

Document Number	0000005997
Date	Mar 3, 2023
Instrument	2023005997

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 4256 N Rock Creek Loop was $6,730, down 5.6% 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		$555,123 (-7.13%) Land $13,823 Building $541,300	$660,325 (-3.95%) Land $119,025 Building $541,300
2025	$6,730.00 (-5.56%) Homeowner's exemption	$597,730 Land $11,740 Building $585,990	$687,460 Land $101,470 Building $585,990
2024	$7,126.00
2023		$543,900 Land $11,680 Building $532,220	$633,680 Land $101,460 Building $532,220
2022	$6,529.00

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

Flood

FEMA maps place 4256 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 4256 N Rock Creek Loop is moderate, ranking above 65% 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 65% of the US · above 51% 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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