4320 Polk St, Waco, TX 76705 Property Records

McLennan County property record for 4320 Polk St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,558 sqft · built 1923
Lot Size	0.827 acres (36,024 sqft)
Owner	2 Individual Names on File
Last Sale	$190,190 (Aug 2023)
Tax Bill	$3,986 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2015 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-057000-089000-7`

Property Details

APN / Parcel Number

Primary APN	`28-057000-089000-7`
Alternative APNs	`2805700008900070111` `127461`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,558 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	2,558 sqft
Flooring	Carpet

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1959
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	36,024 sqft (0.827 acres)
Lot Dimensions	427 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4320 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 0.827
Legal Subdivision	TOMAS DE LA VEGA
Legal Tract	17A
Legal Lot Number	17A
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3051
Census Tract	1700

Owner

4320 Polk St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4320 POLK ST, WACO, TX 76705-4848
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 23, 2023	Vendor's Lien, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 10, 2015	Deed of Trust, Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Deed Document Number	202326818
Record Updated	Oct 29, 2026

August 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Aug 23, 2023
Property Address	4320 POLK ST, WACO, TX 76705-4848
Document Number	0000026818
Map Reference	VOL 183 PG 592
Instrument Date	Aug 18, 2023
Instrument	2023026818
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	AMERICAN REALTY TITLE, AMERICAN GUARANTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4320 POLK ST, WACO, TX 76705-4848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 POLK ST, WACO, TX 76705-4848

Mortgage

Document Number	0000026819
Date	Aug 23, 2023
Instrument	2023026819

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4320 POLK ST, WACO, TX 76705-4848
Document Number	0000017190
Instrument Date	Aug 10, 2015
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 POLK ST WACO TX 767054848, WACO, TX 76705-4848

Mortgage

Document Number	0000017190
Date	May 30, 2017
Instrument	17190

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount on Record
Term	336 Months
Due	May 29, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 4320 Polk St was $3,986, down 3.7% 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		$190,868 (+0.75%) Land $17,144 Building $173,724	$190,868 (+0.75%) Land $17,144 Building $173,724
2025	$3,986.00 (-3.7%)	$189,450 Land $14,520 Building $174,930	$189,450 Land $14,520 Building $174,930
2024	$4,139.00
2023		$233,890 Land $14,550 Building $219,340	$233,890 Land $14,550 Building $219,340
2022	$954.00

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

Flood

FEMA maps place 4320 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 4320 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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