McLennan County property record for 4604 Cole Ave, Waco, TX 76710
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,288 sqft · built 1954 |
| Lot Size | 0.229 acres (9,960 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,821 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-008901-004500-0 |
| Primary APN | 48-008901-004500-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Gross Area | 1,528 sqft |
| 1st Floor Area | 1,288 sqft |
| Flooring | Carpet |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Brick Veneer |
| Roof Material | Composition Shingle |
| Lot Area | 9,960 sqft (0.229 acres) |
| Lot Dimensions | 120 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4604 COLE AVE |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76710-4610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | CHAMPION LOT 12 BLOCK 4 ACRES .2287 |
| Legal Subdivision | CHAMPION |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 2498 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4604 COLE AVE, WACO, TX 76710-4610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 16, 2006 |
| Transfer Doc | 0000005458 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 4604 COLE AVE, WACO, TX 76710-4610 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000022353 |
|---|---|
| Date | Jul 18, 2023 |
| Instrument | 2023022353 |
| Name | FIRST CENTRAL CU |
|---|---|
| Type | Credit Union |
| Address | WACO, TX 76710 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 15, 2038 |
| Change Frequency | Quarterly |
|---|---|
| Index | 3-Year CMT |
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 | $175,000 (+8.1%) Land $26,992 Building $148,008 | $175,000 (-5.19%) Land $26,992 Building $148,008 | |
| 2025 | $1,821.00 (-3.34%) Homeowner's exemption | $161,886 (-9.38%) Land $24,500 Building $160,080 | $184,580 (+3.33%) Land $24,500 Building $160,080 |
| 2024 | $1,884.00 (+17.46%) | ||
| 2023 | $178,640 Land $24,500 Building $154,140 | $178,640 Land $24,500 Building $154,140 | |
| 2022 | $1,604.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2007) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 435 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 · Fiber in parts of the area | 1,500 / 50 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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