McLennan County property record for 4405 Westchester Dr, Waco, TX 76710
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,190 sqft · built 1992 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $218,800 (Jan 2021) |
| Tax Bill | $3,762 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-045105-005400-1 |
| Primary APN | 48-045105-005400-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,190 sqft Living Area |
| Gross Area | 3,790 sqft |
| 1st Floor Area | 2,406 sqft |
| 2nd Floor Area | 784 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 4,400 sqft (0.101 acres) |
| Lot Dimensions | 80 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 784 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4405 WESTCHESTER DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76710-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | WINDMILL HILL LOT 2 BLOCK J ACRES .101 |
| Legal Subdivision | WINDMILL HILL |
| Legal Block | J |
| Legal Lot Number | 2 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 2800 |
Source: McLennan County records, as of August 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4405 WESTCHESTER DR, WACO, TX 76710-1330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2021 | Vendor's Lien, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 26, 2020 | Loan Modification, Mortgage CENTRAL NAT'L BK |
| Apr 26, 2017 | Loan Modification, Mortgage CENTRAL NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2021 · Amount on Record |
| Deed Sale | Jan 6, 2021 · Amount on Record |
| Prior Sale | Jul 10, 2017 · Amount on Record |
| Deed Document Number | 2021560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jan 6, 2021 |
| Property Address | 4405 WESTCHESTER DR, WACO, TX 76710-1330 |
| Document Number | 0000000560 |
| Map Reference | VOL 1116 PG 71 |
| Instrument Date | Jan 6, 2021 |
| Instrument | 2021000560 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4405 WESTCHESTER DR, 4405, WACO, TX 76710-1330 |
| Name | Verified Name |
|---|---|
| Address | 12810 MIMOSA SPRING DR, TOMBALL, TX 77377-8181 |
| Document Number | 0000000561 |
|---|---|
| Date | Jan 6, 2021 |
| Instrument | 2021000561 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 4405 WESTCHESTER DR, WACO, TX 76710-1330 |
| Document Number | 0000018710 |
| Instrument Date | Apr 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4405 WESTCHESTER DR WACO TX 767101330, WACO, TX 76710-1330 |
| Document Number | 0000018710 |
|---|---|
| Date | Jun 9, 2020 |
| Instrument | 18710 |
| Name | CENTRAL NAT'L BK |
|---|---|
| Type | Bank |
| Address | WACO, TX 76710 |
| Term | 60 Months |
|---|---|
| Due | Jun 8, 2025 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 4405 WESTCHESTER DR, WACO, TX 76710-1330 |
| Document Number | 0000018427 |
| Instrument Date | Apr 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4405 WESTCHESTER DR WACO TX 767101330, WACO, TX 76710-1330 |
| Document Number | 0000018427 |
|---|---|
| Date | Jun 8, 2017 |
| Instrument | 18427 |
| Name | CENTRAL NAT'L BK |
|---|---|
| Type | Bank |
| Address | WACO, TX 76710 |
| Term | 36 Months |
|---|---|
| Due | Jun 7, 2020 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Waco Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $287,000 (-7.37%) Land $42,636 Building $244,364 | $287,000 (-7.37%) Land $42,636 Building $244,364 | |
| 2025 | $3,762.00 (-32.97%) Homeowner's exemption Senior Citizen's exemption | $309,836 (-16.93%) Land $38,760 Building $271,076 | $309,836 (-16.93%) Land $38,760 Building $271,076 |
| 2024 | $5,612.00 (-5.81%) | ||
| 2023 | $373,000 Land $38,760 Building $334,240 | $373,000 Land $38,760 Building $334,240 | |
| 2022 | $5,958.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2010 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 89% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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