4312 Polk St, Waco, TX 76705 Property Records

McLennan County property record for 4312 Polk St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 2018
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on File
Last Sale	$174,100 (Aug 2018)
Tax Bill	$3,481 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-057000-089300-6`

Property Details

APN / Parcel Number

Primary APN	`28-057000-089300-6`
Alternative APNs	`2805700008930060101` `127464`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft
Flooring	Carpet

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	489 ft deep x 76 ft wide
Porch	Open Porch
Porch Area	400 sqft
Storage Building	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4312 POLK ST
City	WACO
State	TX
Zip	76705-4848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TOMAS DE LA VEGA ACRES .85
Legal Subdivision	TOMAS DE LA VEGA
Legal Tract	19
Legal Lot Number	19
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3051
Census Tract	1700

Owner

4312 Polk St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4312 POLK ST, WACO, TX 76705-4848
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
Aug 23, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 10, 2019	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Aug 17, 2018	Grant Deed, Transfer · FHA Mortgage PRIME LNDG
Apr 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Apr 16, 2018
Deed Document Number	201829329
Prior Transfer Date	Aug 14, 2018
Prior Transfer Doc	0000029329
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4312 POLK ST, WACO, TX 76705-4848
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033686
Date	Aug 23, 2021
Instrument	2021033686

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Nov 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4312 POLK ST, WACO, TX 76705-4848
Document Number	0000023720
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4312 POLK ST WACO TX 767054848, WACO, TX 76705-4848

Mortgage

Document Number	0000023720
Date	Jul 18, 2019
Instrument	23720

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 17, 2018
Property Address	4312 POLK ST, WACO, TX 76705-4848
Document Number	0000029329
Instrument Date	Aug 13, 2018
Instrument	29329
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4312 POLK ST WACO TX 76705, WACO, TX 76705

Mortgage

Document Number	29330
Date	Aug 17, 2018
Instrument	29330

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 16, 2018
Property Address	4312 POLK ST, WACO, TX 76705-4848
Document Number	0000012149
Instrument Date	Apr 16, 2018
Instrument	12149
Transaction Type	Transfer
Record Updated	May 8, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 LAKE ENGLEWOOD DR WACO TX 767102936, WACO, TX 76710-2936

Tax Assessment & Valuation

The 2025 property tax bill for 4312 Polk St was $3,481 with a homeowner's exemption, up 4.4% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bellmead City
County	McLennan County
Unified School District	La Vega Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$211,000 (-19.06%) Land $17,425 Building $193,575	$211,000 (-20.05%) Land $17,425 Building $193,575
2025	$3,481.00 (+4.44%) Homeowner's exemption	$260,682 Land $14,750 Building $249,164	$263,914 Land $14,750 Building $249,164
2024	$3,333.00
2023		$215,440 Land $14,750 Building $200,690	$215,440 Land $14,750 Building $200,690
2022	$2,649.00

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

Flood

FEMA maps place 4312 Polk St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	2 (1996–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2007 · river or lake flooding

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 4312 Polk St is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 BELLMEAD serves 10,664 people · EPA ID TX1550001
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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