522 N 34th St, Waco, TX 76710 Property Records

McLennan County property record for 522 N 34th St, Waco, TX 76710

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 1940
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$354,777 (Feb 2026)
Tax Bill	$3,620 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-023600-007800-0`

Property Details

APN / Parcel Number

Primary APN	`48-023600-007800-0`
Alternative APNs	`4802360000780000111` `177841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	1,432 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Detached
Garage Area	216 sqft
Driveway	Concrete Driveway
Driveway Area	1,600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Storage Building	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	522 N 34TH ST
City	WACO
State	TX
Zip	76710-5417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	HUACO HTS LOT 7 BLOCK 6 ACRES .1722
Legal Subdivision	HUACO HTS
Legal Block	6
Legal Lot Number	7
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2047
Census Tract	800

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	522 N 34TH ST, WACO, TX 76710-5417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Vendor's Lien, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Feb 21, 2025	Special Warranty Deed, Transfer
Aug 30, 2024	Warranty Deed, Transfer · Line of Credit TFNB YOUR BANK FOR LIFE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Feb 21, 2025
Deed Document Number	20266097
Record Updated	Oct 29, 2026

February 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 26, 2026
Property Address	522 N 34TH ST, WACO, TX 76710-5417
Document Number	0000006097
Map Reference	VOL 254 PG 506
Instrument Date	Feb 25, 2026
Instrument	2026006097
Transaction Type	Transfer
Record Updated	Jun 30, 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	522 N 34TH ST, WACO, TX 76710-5417

Mortgage

Document Number	0000006098
Date	Feb 26, 2026
Instrument	2026006098

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Feb 21, 2025
Property Address	522 N 34TH ST, WACO, TX 76710-5417
Document Number	0000005113
Map Reference	VOL 254 PG 506
Instrument Date	Feb 21, 2025
Instrument	2025005113
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7200 HOLLY LN, COLLEYVILLE, TX 76034-6354

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 30, 2024
Property Address	522 N 34TH ST, WACO, TX 76710-5417
Document Number	0000034334
Map Reference	VOL 254 PG 5006
Instrument Date	Aug 30, 2024
Instrument	2024034334
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7901 FISH POND RD, WACO, TX 76710-1013
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034335
Date	Aug 30, 2024
Instrument	2024034335

Lender

Name	TFNB YOUR BANK FOR LIFE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$213,000 (+32.28%) Land $22,800 Building $190,200	$213,000 (+32.28%) Land $22,800 Building $190,200
2025	$3,620.00 (-3.83%)	$161,020 (+2.29%) Land $20,700 Building $140,320	$161,020 (+2.29%) Land $20,700 Building $140,320
2024	$3,764.00 (+6.69%)
2023		$157,410 Land $20,700 Building $136,710	$157,410 Land $20,700 Building $136,710
2022	$3,528.00

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

Flood

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	10 (1989–2026)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Jun 2026 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, May 1989 · 2 claims

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
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: T-Mobile.

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