523 N 16th St, Waco, TX 76707 Property Records

McLennan County property record for 523 N 16th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,227 sqft · built 2019
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$260,826 (Feb 2025)
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Feb 2025 Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`48-039600-002700-0`

Property Details

APN / Parcel Number

Primary APN	`48-039600-002700-0`
Alternative APNs	`480396000014000` `383823`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,227 sqft Living Area
1st Floor Area	1,227 sqft
Flooring	Carpet

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	166 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	523 N 16TH ST
City	WACO
State	TX
Zip	76707-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SULLIVAN LOT 27 BLOCK 301 ACRES .19
Legal Subdivision	SULLIVAN
Legal Block	301
Legal Lot Number	27
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2015
Census Tract	700

Owner

523 N 16th St is owned and occupied by two individuals who bought it in February 2025.

Source: McLennan County records, as of September 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	523 N 16TH ST, WACO, TX 76707-3514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 25, 2025	Vendor's Lien, Transfer · Closed-End Mortgage FIRST NATIONAL BANK OF CENTRAL TX
Mar 22, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jul 10, 2019	Vendor's Lien, Transfer · FHA Mortgage EXTRACO BANKS NA
Oct 30, 2018	Trustee's Deed, Construction Loan · Construction Mortgage HOUSING FIN AGCY
Sep 13, 2017	Tax Deed, Transfer ATTORNEY ONLY
Jan 24, 2017	Tax Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on File
Deed Sale	Feb 25, 2025 · Amount on File
Prior Sale	Jul 10, 2019 · Amount on File
Deed Document Number	20255471
Record Updated	Oct 29, 2026

February 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Feb 25, 2025
Property Address	523 N 16TH ST, WACO, TX 76707-3514
Document Number	0000005471
Map Reference	FILE 2018023826
Instrument Date	Feb 24, 2025
Instrument	2025005471
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 N 16TH ST, WACO, TX 76707-3514

Mortgage

Document Number	0000005472
Date	Feb 25, 2025
Instrument	2025005472

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	Feb 24, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	523 N 16TH ST, WACO, TX 76707-3514
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010205
Date	Mar 22, 2021
Instrument	2021010205

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Aug 1, 2049

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jul 10, 2019
Property Address	523 N 16TH ST, WACO, TX 76707-3514
Document Number	0000022681
Map Reference	DOC 2018023826
Instrument Date	Jul 10, 2019
Instrument	2019022681
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 N 16TH ST, WACO, TX 76707-3514

Mortgage

Document Number	0000022682
Date	Jul 10, 2019
Instrument	2019022682

Lender

Name	EXTRACO BANKS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Oct 30, 2018
Property Address	523 N 16TH ST, WACO, TX 76707-3514
Instrument Date	Oct 29, 2018
Instrument	38188
Transaction Type	Construction Loan
Record Updated	Sep 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1624 COLCORD AVE WACO TX 767072246, WACO, TX 76707-2246

Mortgage

Document Number	0000038188
Date	Oct 30, 2018
Instrument	38188

Lender

Name	HOUSING FIN AGCY
Address	WACO, TX 76702-2570

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 29, 2019

September 2017: Tax Deed, Transfer

Document Type	Tax Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 13, 2017
Property Address	523 N 16TH ST, WACO, TX 76707-3514
Document Number	0000030092
Instrument Date	Aug 2, 2017
Instrument	30092
Transaction Type	Transfer
Record Updated	Sep 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1624 COLCORD AVE WACO TX 767072246, WACO, TX 76707-2246

January 2017: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jan 24, 2017
Property Address	523 N 16TH ST, WACO, TX 76707-3514
Document Number	0000002378
Instrument Date	Jan 19, 2017
Instrument	2378
Transaction Type	Foreclosure
Record Updated	Sep 16, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2570 WACO TX 767022570, WACO, TX 76702-2570

Tax Assessment & Valuation

The 2025 property tax bill for 523 N 16th St was $3,010, up 91.8% 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		$186,000 (-8.98%) Land $25,326 Building $160,674	$186,000 (-8.98%) Land $25,326 Building $160,674
2025	$3,010.00 (+91.84%) Homeowner's exemption	$204,350 Land $23,010 Building $181,340	$204,350 Land $23,010 Building $181,340
2024	$1,569.00
2023		$208,910 Land $23,010 Building $185,900	$208,910 Land $23,010 Building $185,900
2022	$1,316.00

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

Flood

FEMA maps place 523 N 16th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 523 N 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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