521 N 13th St, Waco, TX 76701 Property Records

McLennan County property record for 521 N 13th St, Waco, TX 76701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 2025
Lot Size	0.162 acres (7,050 sqft)
Owner	Individual Name on File
Last Sale	$123,114 (Aug 2024)
Tax Bill	$2,936 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-010000-003000-7`

Property Details

APN / Parcel Number

Primary APN	`48-010000-003000-7`
Alternative APNs	`4801000000300070101` `168867`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,445 sqft Living Area
Gross Area	1,760 sqft
1st Floor Area	1,445 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Roof Material	Composition Shingle
Lot Area	7,050 sqft (0.162 acres)
Lot Dimensions	141 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	315 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	521 N 13TH ST
City	WACO
State	TX
Zip	76701-1136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O2
Legal Description	CONGER N H LOT 19 BLOCK 2 ACRES .1618
Legal Subdivision	CONGER N H
Legal Block	2
Legal Lot Number	19
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2011
Census Tract	100

Owner

521 N 13th St is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	521 N 13TH ST, WACO, TX 76701-1136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jun 9, 2023	Deed of Trust, Mortgage · Commercial Mortgage CITY OF WACO
Jun 8, 2023	Deed of Trust, Mortgage · Commercial Mortgage HEART OF TEXAS HOUSING FINANCE CORPORATI
May 1, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2024 · Amount on File
Deed Sale	Aug 30, 2024 · Amount on File
Prior Sale	Oct 6, 2022
Deed Document Number	202434311
Prior Transfer Date	Sep 29, 2022
Prior Transfer Doc	0000040046
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	521 N 13TH ST, WACO, TX 76701-1136
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017233
Date	Jun 9, 2023
Instrument	2023017233

Lender

Name	CITY OF WACO
Type	Government Agency
Address	WACO, TX 76702

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jun 5, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	521 N 13TH ST, WACO, TX 76701-1136
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017082
Date	Jun 8, 2023
Instrument	2023017082

Lender

Name	HEART OF TEXAS HOUSING FINANCE CORPORATI
Address	WACO, TX 76702

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 7, 2024

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 1, 2018
Property Address	521 N 13TH ST, WACO, TX 76701-1136
Document Number	0000014051
Instrument Date	Apr 30, 2018
Instrument	14051
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	502 PROSPERITY TRL MC GREGOR TX 766574105, MC GREGOR, TX 76657-4105

Tax Assessment & Valuation

The 2025 property tax bill for 521 N 13th St was $2,936, up 2,643.9% from the year before.

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$214,202 (+406.39%) Land $42,300 Building $171,902	$214,202 (+406.39%) Land $42,300 Building $171,902
2025	$2,936.00 (+2,643.93%)	$42,300 Land $42,300	$42,300 Land $42,300
2024	$107.00
2023		$14,100 Land $14,100	$14,100 Land $14,100
2022	$316.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 521 N 13th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1989.

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	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

Wildfire risk around 521 N 13th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% 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 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 308 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
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

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

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