5104 Ross Rd, Waco, TX 76705 Property Records

McLennan County property record for 5104 Ross Rd, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,060 sqft · built 1995
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$266,000 (Oct 2025)
Tax Bill	$2,894 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50-004400-009100-8`

Property Details

APN / Parcel Number

Primary APN	`50-004400-009100-8`
Alternative APNs	`5000440000910080111` `200982`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,060 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	2,060 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Exterior Material	Metal
Construction Type	Frame
Roof Material	Metal
Lot Area	217,800 sqft
Lot Dimensions	545 ft deep x 400 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5104 ROSS RD
City	WACO
State	TX
Zip	76705-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WEBB J ACRES 5.0
Legal Subdivision	WEBB J
Jurisdiction	MCLENNAN TX
Township / Civil Division	WEST
Census Block Group	2
Census Block	2049
Census Tract	4202

Owner

5104 Ross Rd is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5104 ROSS RD, WACO, TX 76705-5420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Sep 28, 2021	Deed of Trust, Mortgage · ARM FIRST NATIONAL BANK OF CENTRAL TX
Oct 23, 2025	Vendor's Lien, Transfer · Closed-End Mortgage FIRST NATIONAL BANK OF CENTRAL TX
Sep 8, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST NAT'L BK/CTRL TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on File
Deed Sale	Oct 23, 2025 · Amount on File
Prior Sale	Nov 30, 2011 · Amount on File
Deed Document Number	202532577
Prior Transfer Date	Nov 28, 2011
Prior Transfer Doc	0000036646
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	5104 ROSS RD, WACO, TX 76705-5420
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5104 ROSS RD, WACO, TX 76705-5420

Mortgage

Document Number	0000039482
Date	Sep 28, 2021
Instrument	2021039482

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank
Address	WACO, TX 76710

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 9, 2026
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	8%
Index	10-Year TN
Max Rate	9%

October 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Oct 23, 2025
Property Address	5104 ROSS RD, WACO, TX 76705-5420
Document Number	0000032577
Instrument Date	Oct 22, 2025
Instrument	2025032577
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5104 ROSS RD, WACO, TX 76705-5420

Mortgage

Document Number	0000032578
Date	Oct 23, 2025
Instrument	2025032578

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2055

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Sep 8, 2020
Property Address	5104 ROSS RD, WACO, TX 76705-5420
Document Number	0000031415
Instrument Date	Aug 19, 2020
Instrument	31415
Transaction Type	Construction Loan
Record Updated	Sep 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5104 ROSS RD WACO TX 767055420, WACO, TX 76705-5420

Mortgage

Document Number	0000031415
Date	Sep 8, 2020
Instrument	31415

Lender

Name	FIRST NAT'L BK/CTRL TX
Type	Bank
Address	WACO, TX 76702-2662

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5104 Ross Rd was $2,894, down 33.4% 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	West Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$489,345 (+26.51%) Land $85,000 Building $404,345	$489,345 (+26.51%) Land $85,000 Building $404,345
2025	$2,894.00 (-33.43%) Homeowner's exemption Senior Citizen's exemption	$386,790 Land $69,580 Building $317,210	$386,790 Land $69,580 Building $317,210
2024	$4,347.00
2023		$520,620 Land $69,580 Building $451,040	$520,620 Land $69,580 Building $451,040
2022	$3,992.00

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

Flood

FEMA maps place 5104 Ross Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2007)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2007 · Severe Storms, Tornadoes, And 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

Wildfire risk around 5104 Ross Rd is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 62% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	ROSS WSC serves 2,811 people · EPA ID TX1550042
Water Source	Groundwater
Last State Inspection	May 2023
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	3 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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