4321 S Fork Ranch Rd, Waco, TX 76705 Property Records

McLennan County property record for 4321 S Fork Ranch Rd, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,206 sqft · built 2015
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$219,450 (Mar 2026)
Tax Bill	$3,406 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-043005-000106-0`

Property Details

APN / Parcel Number

Primary APN	`28-043005-000106-0`
Alternative APN	`367491`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area
Gross Area	1,606 sqft
1st Floor Area	1,206 sqft
Flooring	Carpet

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	380 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Patio Area	120 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4321 S FORK RANCH RD
City	WACO
State	TX
Zip	76705-5985
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH FORK PH 1 LOT 6 BLOCK 1 ACRES .139
Legal Subdivision	SOUTH FORK PH 1
Legal Block	1
Legal Lot Number	6
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	4
Census Block	4038
Census Tract	1700

Owner

4321 S Fork Ranch Rd is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4321 S FORK RANCH RD, WACO, TX 76705-5985
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Mar 24, 2026	Vendor's Lien, Transfer GRANITE COMMUNITY BANK
Jul 27, 2020	Vendor's Lien, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP
May 5, 2020	Loan Modification, Mortgage ALLIANCE BK CTRL TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on File
Deed Sale	Mar 24, 2026 · Amount on File
Prior Sale	Jul 27, 2020 · Amount on File
Deed Document Number	20269029
Prior Transfer Date	Jul 24, 2020
Prior Transfer Doc	0000025149
Record Updated	Oct 29, 2026

March 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 24, 2026
Property Address	4321 S FORK RANCH RD, WACO, TX 76705-5985
Document Number	0000009029
Map Reference	FILE 2013021889
Instrument Date	Mar 23, 2026
Instrument	2026009029
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	FTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4321 S FORK RANCH RD, WACO, TX 76705-5985

Mortgage

Date	Mar 24, 2026

Lender

Name	GRANITE COMMUNITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 27, 2020
Property Address	4321 S FORK RANCH RD, WACO, TX 76705-5985
Document Number	0000025149
Map Reference	DOC 2013021889
Instrument Date	Jul 24, 2020
Instrument	2020025149
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4321 S FORK RANCH RD, WACO, TX 76705-5985

Mortgage

Document Number	0000025150
Date	Jul 27, 2020
Instrument	2020025150

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	4321 S FORK RANCH RD, WACO, TX 76705-5985
Document Number	0000016143
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1212 LIVE OAK ST MARLIN TX 766612605, MARLIN, TX 76661-2605

Mortgage

Document Number	0000016143
Date	May 19, 2020
Instrument	16143

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	PO BOX 7554, WACO, TX 76714-7554

Agreement

Amount	Amount on Record
Term	12 Months
Due	May 18, 2021

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4321 S Fork Ranch Rd was $3,406, down 16.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$227,397 (-0.03%) Land $39,962 Building $187,435	$227,397 (-0.03%) Land $39,962 Building $187,435
2025	$3,406.00 (-16.87%) Homeowner's exemption	$227,460 Land $36,330 Building $191,130	$227,460 Land $36,330 Building $191,130
2024	$4,097.00
2023		$232,070 Land $36,330 Building $195,740	$232,070 Land $36,330 Building $195,740
2022	$5,153.00

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

Flood

FEMA maps place 4321 S Fork Ranch Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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	3 in force
Nearby Flood Claims	4 (2012–2026)
Most Recent Claim	Jun 2026 · 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 4321 S Fork Ranch Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.06% 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	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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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