4305 N Rock Creek Loop, Waco, TX 76708 Property Records

McLennan County property record for 4305 N Rock Creek Loop, Waco, TX 76708

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 1,800 sqft · built 2014
Lot Size	8 acres (348,480 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,981 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-003300-030609-0`

Property Details

APN / Parcel Number

Primary APN	`18-003300-030609-0`
Alternative APN	`358152`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Metal
Roof Material	Metal
Lot Area	348,480 sqft
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	2,288 sqft
Shed	1 Shed
Shed Area	408 sqft
Canopy	888 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4305 N ROCK CREEK LOOP
City	WACO
State	TX
Zip	76708-7139
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R
Legal Description	RABAGO M ACRES 8.0
Legal Subdivision	RABAGO M
Jurisdiction	MCLENNAN TX
Township / Civil Division	CHINA SPRING
Census Block Group	2
Census Block	2017
Census Tract	4102

Owner

4305 N Rock Creek Loop, a rural home, is owned and occupied by two individuals who acquired it in May 2013.

Source: McLennan County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4305 N ROCK CREEK LOOP, WACO, TX 76708-7139
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 24, 2019	Deed of Trust, Mortgage WALLICK & VOLK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 16, 2013
Transfer Doc	0000017316
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4305 N ROCK CREEK LOOP, WACO, TX 76708-7139
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050996
Date	Dec 16, 2021
Instrument	2021050996

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2031

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4305 N ROCK CREEK LOOP, WACO, TX 76708-7139
Document Number	0000032814
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4305 N ROCK CREEK LOOP WACO TX 767087139, WACO, TX 76708-7139

Mortgage

Document Number	0000032814
Date	Sep 30, 2019
Instrument	32814

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4305 N Rock Creek Loop was $3,981 with a homeowner's exemption, down 10.4% 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		$390,000 (-) Land $89,610 Building $300,390	$390,000 (-) Land $89,610 Building $300,390
2025	$3,981.00 (-10.38%) Homeowner's exemption	$390,000 Land $89,610 Building $300,390	$390,000 Land $89,610 Building $300,390
2024	$4,442.00
2023		$441,840 Land $89,610 Building $352,230	$441,840 Land $89,610 Building $352,230
2022	$4,041.00

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

Flood

FEMA maps place 4305 N Rock Creek Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 4305 N Rock Creek Loop is moderate, ranking above 62% 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 62% of the US · above 47% 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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