520 Elm Ave, Waco, TX 76704 Property Records

McLennan County property record for 520 Elm Ave, Waco, TX 76704

Property Summary

Property Type	Commercial
Details	4,980 sqft · built 1928
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,683 (2025)
Deeds & Mortgages	May 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`48-034600-007701-6`

Property Details

APN / Parcel Number

Primary APN	`48-034600-007701-6`
Alternative APNs	`4803460000770160111` `187075`

Interior

Stories	1 Story
Building Area	4,980 sqft Gross Area
1st Floor Area	4,980 sqft
Flooring	Tile
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Combination
Construction Type	Brick
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Canopy	502 sqft
Storage Building	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	520 ELM AVE
City	WACO
State	TX
Zip	76704-2515
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	2007 TIF
Legal Description	RENICK LOT 5 BLOCK 13 ACRES .132
Legal Subdivision	RENICK
Legal Block	13
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1045
Census Tract	1500

Owner

Source: McLennan County records · APN 48-034600-007701-6

Assessment roll updated September 9, 2025 · Last verified June 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 File
Mailing Address	161 VERNON LN, WACO, TX 76706-7346
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 09, 2022
Deed Sale	May 09, 2022
Deed Document Number	202218544
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 09, 2022
Property Address	520 ELM AVE, WACO, TX 76704-2515
Document Number	0000018544
Map Reference	VOL 28 PG 502
Instrument Date	Apr 11, 2022
Instrument	2022018544
Transaction Type	Transfer
Record Updated	May 19, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2507 PASCAL CT # B, B, WACO, TX 76706-6538

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated September 9, 2025 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,683.00 (-0.95%)	$199,440 (-4.23%) Land $28,750 Building $170,690	$199,440 (-4.23%) Land $28,750 Building $170,690
2024	$4,728.00 (-3.04%)
2023		$208,240 Land $28,750 Building $179,490	$208,240 Land $28,750 Building $179,490
2022	$4,876.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLennan County (48309C), as of June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 483090015001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 13 policies
Nearby Flood Policies	13 in force

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Radiate Holdings Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Helmsco Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, Verizon.

Based on FCC filings for 328 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system TX1550008, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF WACO serves 146,241 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.