4704 Cole Ave, Waco, TX 76710 Property Records

McLennan County property record for 4704 Cole Ave, Waco, TX 76710

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,384 sqft · built 1954
Lot Size	0.229 acres (9,960 sqft)
Owner	Individual Name on File
Last Sale	$215,300 (Aug 2021)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-008901-005000-3`

Property Details

APN / Parcel Number

Primary APN	`48-008901-005000-3`
Alternative APNs	`4800890100500030111` `168049`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
Gross Area	1,648 sqft
1st Floor Area	1,384 sqft
Flooring	Wood

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Roof Type	Reinforced Concrete
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	264 sqft
Driveway	Concrete Driveway
Driveway Area	296 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	284 sqft
Deck Area	280 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4704 COLE AVE
City	WACO
State	TX
Zip	76710-4612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CHAMPION LOT 17 BLOCK 4 ACRES .2287
Legal Subdivision	CHAMPION
Legal Block	4
Legal Lot Number	17
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2008
Census Tract	2498

Owner

4704 Cole Ave is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4704 COLE AVE, WACO, TX 76710-4612
Occupancy	Owner Occupied
Owner Type	Individual

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 25, 2021	Vendor's Lien, Transfer · VA Mortgage FIRST UNITED BANK & TRUST CO
May 22, 2020	Deed of Trust, Mortgage CHURCHILL MTG
Oct 10, 2018	Vendor's Lien, Transfer · Conventional Mortgage GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2021 · Amount on File
Deed Sale	Aug 25, 2021 · Amount on File
Prior Sale	Oct 10, 2018 · Amount on File
Deed Document Number	202134366
Prior Transfer Date	Jan 6, 2009
Prior Transfer Doc	0000001081
Record Updated	Oct 29, 2026

August 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Aug 25, 2021
Property Address	4704 COLE AVE, WACO, TX 76710-4612
Document Number	0000034366
Map Reference	VOL 736 PG 71
Instrument Date	Aug 25, 2021
Instrument	2021034366
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	NOT AVAILABLE, FTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 COLE AVE, WACO, TX 76710-4612

Mortgage

Document Number	0000034367
Date	Aug 25, 2021
Instrument	2021034367

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Special Notes	Seller Financed

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4704 COLE AVE, WACO, TX 76710-4612
Document Number	0000017186
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4704 COLE AVE WACO TX 767104612, WACO, TX 76710-4612

Mortgage

Document Number	0000017186
Date	May 28, 2020
Instrument	17186

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 27, 2035

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Oct 10, 2018
Property Address	4704 COLE AVE, WACO, TX 76710-4612
Document Number	0000035866
Map Reference	VOL736 PG71
Instrument Date	Oct 9, 2018
Instrument	2018035866
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 COUNTRY SPRING RD, 707, LORENA, TX 76655-3305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 COLE AVE, WACO, TX 76710-4612

Mortgage

Document Number	0000035867
Date	Oct 10, 2018
Instrument	2018035867

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4704 Cole Ave was $3,054 with exemptions applied, down 12.4% 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	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,000 (-) Land $24,500 Building $195,500	$220,000 (-) Land $24,500 Building $195,500
2025	$3,054.00 (-12.39%) Homeowner's exemption	$220,000 Land $24,500 Building $195,500	$220,000 Land $24,500 Building $195,500
2024	$3,486.00
2023		$221,000 Land $24,500 Building $196,500	$221,000 Land $24,500 Building $196,500
2022	$3,473.00

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

Flood

FEMA maps place 4704 Cole Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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 File 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.

Wildfire

The area around 4704 Cole Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 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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