496 Virginia Rd, Waco, TX 76705 Property Records

McLennan County property record for 496 Virginia Rd, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,338 sqft · built 1983
Lot Size	0.331 acres (14,400 sqft)
Owner	Individual Name on File
Last Sale	$285,551 (Jun 2022)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-022600-022500-0`

Property Details

APN / Parcel Number

Primary APN	`20-022600-022500-0`
Alternative APNs	`2002260002250000111` `112575`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
1st Floor Area	1,338 sqft
Flooring	Carpet

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	14,400 sqft (0.331 acres)
Lot Dimensions	120 ft deep x 120 ft wide
Driveway	Concrete Driveway
Driveway Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	496 VIRGINIA RD
City	WACO
State	TX
Zip	76705-5132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CHALK BLUFF LOT 16 BLOCK 12 ACRES .3306
Legal Subdivision	CHALK BLUFF
Legal Block	12
Legal Lot Number	16
Jurisdiction	MCLENNAN TX
Township / Civil Division	ELM MOTT
Census Block Group	3
Census Block	3034
Census Tract	3402

Owner

496 Virginia Rd is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	496 VIRGINIA RD, WACO, TX 76705-5132
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022 · Amount on File
Deed Sale	Jun 14, 2022 · Amount on File
Prior Sale	Apr 18, 2005 · Amount on File
Deed Document Number	202223942
Prior Transfer Date	Apr 13, 2005
Prior Transfer Doc	0000014556
Record Updated	Oct 29, 2026

June 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jun 14, 2022
Property Address	496 VIRGINIA RD, WACO, TX 76705-5132
Document Number	0000023942
Map Reference	VOL 821 PG 335
Instrument Date	Jun 13, 2022
Instrument	2022023942
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	247 FERNWOOD DR, 247, WOODWAY, TX 76712-2716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 VIRGINIA RD, WACO, TX 76705-5132

Mortgage

Document Number	0000023943
Date	Jun 14, 2022
Instrument	2022023943

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 496 Virginia Rd was $1,372 with a homeowner's exemption, down 14.4% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Connally Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$205,705 (+0.03%) Land $51,696 Building $154,009	$205,705 (+0.03%) Land $51,696 Building $154,009
2025	$1,372.00 (-14.36%) Homeowner's exemption	$205,650 Land $46,940 Building $158,710	$205,650 Land $46,940 Building $158,710
2024	$1,602.00
2023		$205,640 Land $46,940 Building $158,700	$205,640 Land $46,940 Building $158,700
2022	$1,789.00

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

Flood

FEMA maps place 496 Virginia Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 496 Virginia Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 74% of Texas
Wildfire Likelihood	0.1% 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	CHALK BLUFF WSC serves 3,852 people · EPA ID TX1550020
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 201 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
T-Mobile Fixed Wireless	100 / 20