478 Waterfall Cir, Lancaster, TX 75146 Property Records

Dallas County property record for 478 Waterfall Cir, Lancaster, TX 75146

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,301 sqft · built 2005
Lot Size	0.222 acres (9,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,700 (Sep 2005)
Tax Bill	$4,456 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`360830000B03300`

Property Details

APN / Parcel Number

Primary APN	`360830000B03300`
Alternative APN	`36-08300-00B-033-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,301 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,680 sqft (0.222 acres)
Lot Dimensions	92 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	360830000B03300
Street Address	478 WATERFALL CIR
City	LANCASTER
State	TX
Zip	75146-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	Z239
Legal Description	SPRING CREEK ESTATES BLK B LT 33 VOL2005187/5875 DD09192005 CO-DC 0830000B03300 4CN0830000B
Legal Subdivision	SPRING CREEK ESTATES
Legal Tract	8300
Legal Block	B
Legal Lot Number	33
Jurisdiction	DALLAS TX
Township / Civil Division	SOUTHWEST DALLAS
Census Block Group	3
Census Block	3002
Census Tract	16802

Owner

Source: Dallas County records, as of August 10, 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	478 WATERFALL CIR, LANCASTER, TX 75146-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Mar 18, 2020	Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB
Apr 2, 2020	Deed of Trust, Mortgage CITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2005 · Amount on Record
Deed Sale	Sep 22, 2005 · Amount on Record
Deed Book / Page	2005187 / 5875
Prior Transfer Date	Sep 19, 2005
Prior Transfer Doc	2005005875
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	478 WATERFALL CIR, LANCASTER, TX 75146-2932
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800027220
Date	Jan 31, 2018
Instrument	201800027220

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	478 WATERFALL CIR, LANCASTER, TX 75146-2932
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000077540
Date	Mar 18, 2020
Instrument	202000077540

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 17, 2030

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	478 WATERFALL CIR, LANCASTER, TX 75146-2932
Document Number	0000168364
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 WATERFALL CIR LANCASTER TX 751462932, LANCASTER, TX 75146-2932

Mortgage

Document Number	0000168364
Date	Jul 6, 2020
Instrument	168364

Lender

Name	CITY CU
Type	Credit Union
Address	DALLAS, TX 75228-6543

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2035

Tax Assessment & Valuation

Source: Dallas County assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Dallas County
Municipality	Lancaster City
Unified School District	Lancaster Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$306,770 (-) Land $80,000 Building $226,770	$306,770 (-) Land $80,000 Building $226,770
2025	$4,456.00 (+1.39%) Homeowner's exemption	$306,770 (-7.18%) Land $80,000 Building $226,770	$306,770 (-7.18%) Land $80,000 Building $226,770
2024	$4,395.00 (+10.23%)
2023	$3,987.00 (-8.58%) Homeowner's exemption	$330,500 Land $80,000 Building $250,500	$330,500 Land $80,000 Building $250,500
2022	$4,361.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 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	1 in force
Nearby Flood Claims	2 (1994–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2007 · Hurricane Dean

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 LANCASTER serves 40,449 people · EPA ID TX0570013
Water Source	Purchased surface water from DALLAS WATER UTILITY
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Nextlink.

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