518 S 10th St, Waco, TX 76706 Property Records

McLennan County property record for 518 S 10th St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,625 sqft · built 1922
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Feb 2024 Transfer Mar 2019 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`48-043200-002101-3`

Property Details

APN / Parcel Number

Primary APN	`48-043200-002101-3`
Alternative APNs	`4804320000210130111` `195594`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,625 sqft Living Area
1st Floor Area	1,625 sqft
Flooring	Wood

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1958
Exterior Material	Stone
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	260 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	518 S 10TH ST
City	WACO
State	TX
Zip	76706-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2007 TIF
Legal Description	WALTON J T LOT 6 BLOCK 3 ACRES .1894
Legal Subdivision	WALTON J T
Legal Block	3
Legal Lot Number	6
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2074
Census Tract	100

Owner

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	2 Individual Names on Record
Mailing Address	518 S 10TH ST, WACO, TX 76706-1324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Gift Deed, Transfer
Mar 7, 2019	Warranty Deed, Transfer OTHER
Nov 19, 2018	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/MCGREGOR
Oct 22, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 10, 2018	Loan Modification, Mortgage FIRST NAT'L BK
May 17, 2018	Warranty Deed, Construction Loan · Construction Mortgage FIRST NAT'L BK/MCGREGOR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2018
Deed Sale	Oct 22, 2018
Deed Document Number	201837167
Last Transfer Date	Feb 5, 2024
Transfer Doc	0000003732
Record Updated	Oct 29, 2026

February 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MCLENNAN TX
Recording Date	Feb 7, 2024
Property Address	518 S 10TH ST, WACO, TX 76706-1324
Document Number	0000003732
Map Reference	VOL 27 PG 314
Instrument Date	Feb 5, 2024
Instrument	2024003732
Transaction Type	Transfer
Record Updated	Feb 21, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 S 10TH ST, WACO, TX 76706-1324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 N 3RD ST, WACO, TX 76701-1402

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 7, 2019
Property Address	518 S 10TH ST, WACO, TX 76706-1324
Document Number	0000007608
Instrument Date	Mar 7, 2019
Instrument	7608
Transaction Type	Transfer
Record Updated	Apr 11, 2019
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3819 HOLLAND AVE DALLAS TX 752194326, DALLAS, TX 75219-4326

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	518 S 10TH ST, WACO, TX 76706-1324
Document Number	0000040658
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5900 FRANKLIN AVE #5 WACO TX 767106939, 5, WACO, TX 76710-6939

Mortgage

Document Number	0000040658
Date	Nov 21, 2018
Instrument	40658

Lender

Name	FIRST NAT'L BK/MCGREGOR
Type	Bank
Address	MCGREGOR, TX 76657

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2033

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 22, 2018
Property Address	518 S 10TH ST, WACO, TX 76706-1324
Document Number	0000037167
Instrument Date	Oct 19, 2018
Instrument	37167
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1425 MEADOW MOUNTAIN DR WACO TX 767128754, WACO, TX 76712-8754

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	518 S 10TH ST, WACO, TX 76706-1324
Document Number	0000030838
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	512 N 32ND ST WACO TX 767073224, WACO, TX 76707-3224

Mortgage

Document Number	0000030838
Date	Aug 30, 2018
Instrument	30838

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MCGREGOR, TX 76657

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 29, 2033

Interest

Rate	6.75%

May 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 17, 2018
Property Address	518 S 10TH ST, WACO, TX 76706-1324
Document Number	0000016250
Instrument Date	May 16, 2018
Instrument	16250
Transaction Type	Construction Loan
Record Updated	Jun 18, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	512 N 32ND ST WACO TX 767073224, WACO, TX 76707-3224

Mortgage

Document Number	16251
Date	May 17, 2018
Instrument	16251

Lender

Name	FIRST NAT'L BK/MCGREGOR
Type	Bank
Address	MCGREGOR, TX 76657

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 16, 2019

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$133,032 (+1%)	$392,682 (-8.38%) Land $115,500 Building $277,182
2025	$120,938 (-72.21%)	$428,610 (-1.51%) Land $115,500 Building $313,110
2023	$435,170 Land $115,500 Building $319,670	$435,170 Land $115,500 Building $319,670

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 June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1989–2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2012 · rainfall accumulation

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	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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile, Verizon.

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