4322 Polk St, Waco, TX 76705 Property Records

McLennan County property record for 4322 Polk St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,662 sqft · built 2020
Lot Size	0.796 acres (34,674 sqft)
Owner	Company Name on File
Last Sale	$10,500 (Feb 2019)
Tax Bill	$5,118 (2024)
Deeds & Mortgages	Dec 2019 Line of Credit Feb 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-057000-088800-3`

Property Details

APN / Parcel Number

Primary APN	`28-057000-088800-3`
Alternative APNs	`2805700008880030101` `127459`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,662 sqft
Flooring	Carpet

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	34,674 sqft (0.796 acres)
Lot Dimensions	410 ft deep x 88 ft wide
Porch	Open Porch
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4322 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 .796
Legal Subdivision	TOMAS DE LA VEGA
Legal Tract	16
Legal Lot Number	16
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3051
Census Tract	1700

Owner

4322 Polk St is owned by a company that bought it in February 2019 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	4322 POLK ST, WACO, TX 76705-4848
Occupancy	Owner Occupied
Owner Type	Company

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 9, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK & TRUST
Feb 24, 2020	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK & TRUST
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Mar 22, 2020	Loan Modification, Mortgage COMMUNITY BK
Feb 25, 2019	Tax Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Prior Sale	May 19, 2016
Deed Document Number	20195946
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4322 POLK ST, WACO, TX 76705-4848
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040572
Date	Dec 9, 2019
Instrument	2019040572

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Address	WACO, TX 76703

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4322 POLK ST, WACO, TX 76705-4848
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006146
Date	Feb 24, 2020
Instrument	2020006146

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Address	WACO, TX 76703

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4322 POLK ST, WACO, TX 76705-4848
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	AGT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010051
Date	Mar 19, 2021
Instrument	2021010051

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	4322 POLK ST, WACO, TX 76705-4848
Document Number	0000016240
Instrument Date	Mar 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 6, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1712 NORTHCREST DR WACO TX 767101044, WACO, TX 76710-1044

Mortgage

Document Number	0000016240
Date	May 20, 2020
Instrument	16240

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703

Agreement

Amount	Amount on Record
Term	12 Months
Due	May 19, 2021

Interest

Rate	6.5%

February 2019: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	MCLENNAN TX
Recording Date	Feb 25, 2019
Property Address	4322 POLK ST, WACO, TX 76705-4848
Document Number	0000005946
Instrument Date	Feb 19, 2019
Instrument	5946
Transaction Type	Foreclosure
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1712 NORTHCREST DR WACO TX 767101044, WACO, TX 76710-1044

Tax Assessment & Valuation

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		$301,348 (+8.38%) Land $16,748 Building $284,600	$301,348 (-7.18%) Land $16,748 Building $284,600
2025		$278,052	$324,670 Land $14,190 Building $310,480
2024	$5,118.00
2023		$226,960 Land $14,190 Building $212,770	$226,960 Land $14,190 Building $212,770
2022	$3,422.00

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

Flood

FEMA maps place 4322 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 4322 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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