524 Dearborn St, Waco, TX 76704 Property Records

McLennan County property record for 524 Dearborn St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1951
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$168,411 (May 2025)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	May 2025 Construction Loan Jun 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`48-007803-003000-0`

Property Details

APN / Parcel Number

Primary APN	`48-007803-003000-0`
Alternative APNs	`4800780300300000111` `166938`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1982
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	312 sqft
Driveway	Driveway
Driveway Area	735 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	524 DEARBORN ST
City	WACO
State	TX
Zip	76704-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CARVER PARK NO 2 LOT 6 BLOCK 3 ACRES .1928
Legal Subdivision	CARVER PARK NO 2
Legal Block	3
Legal Lot Number	6
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1030
Census Tract	1401

Owner

524 Dearborn St is owned by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1100 W HUNTINGTON DR, 15, ARCADIA, CA 91007-6302
Owner Type	Individual

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
May 20, 2025	Vendor's Lien, Transfer · Construction Mortgage QUANTA FINANCE LLC
Jun 17, 2019	Warranty Deed, Transfer CALIBER HM LOANS
Feb 5, 2019	Warranty Deed, Transfer FIRST CMNTY TITLE
Feb 5, 2019	Affidavit of Death, Transfer OTHER
Feb 5, 2019	Affidavit of Death, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2025 · Amount on File
Deed Sale	May 20, 2025 · Amount on File
Prior Sale	May 15, 2025
Deed Document Number	202515089
Prior Transfer Date	Jun 10, 2019
Prior Transfer Doc	0000019709
Record Updated	Oct 29, 2026

May 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	May 20, 2025
Property Address	524 DEARBORN ST, WACO, TX 76704-1824
Document Number	0000015089
Map Reference	VOL 668 PG 653
Instrument Date	May 14, 2025
Instrument	2025015089
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	SPARTAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 W HUNTINGTON DR APT 15, 15, ARCADIA, CA 91007-6302

Mortgage

Document Number	0000015090
Date	May 20, 2025
Instrument	2025015090

Lender

Name	QUANTA FINANCE LLC
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jun 1, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 17, 2019
Property Address	524 DEARBORN ST, WACO, TX 76704-1824
Document Number	0000019709
Instrument Date	Jun 10, 2019
Instrument	19709
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	FIRST CMNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 WATER HYACINTH LOOP LEANDER TX 786411986, LEANDER, TX 78641-1986

Mortgage

Document Number	19710
Date	Jun 17, 2019
Instrument	19710

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Feb 5, 2019
Property Address	524 DEARBORN ST, WACO, TX 76704-1824
Document Number	0000003965
Instrument Date	Jan 30, 2019
Instrument	3965
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	FIRST CMNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 S 25TH ST TEMPLE TX 765044130, TEMPLE, TX 76504-4130

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MCLENNAN TX
Recording Date	Feb 5, 2019
Property Address	524 DEARBORN ST, WACO, TX 76704-1824
Document Number	0000003963
Instrument Date	Jan 19, 2019
Instrument	3963
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 WITHERBY LN LEWISVILLE TX 750674476, LEWISVILLE, TX 75067-4476

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MCLENNAN TX
Recording Date	Feb 5, 2019
Property Address	524 DEARBORN ST, WACO, TX 76704-1824
Document Number	0000003964
Instrument Date	Jan 19, 2019
Instrument	3964
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 WITHERBY LN LEWISVILLE TX 750674476, LEWISVILLE, TX 75067-4476

Tax Assessment & Valuation

The 2025 property tax bill for 524 Dearborn St was $3,615, up 2.1% 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		$160,250 (-0.34%) Land $15,204 Building $145,046	$160,250 (-0.34%) Land $15,204 Building $145,046
2025	$3,615.00 (+2.09%)	$160,800 Land $13,780 Building $147,020	$160,800 Land $13,780 Building $147,020
2024	$3,541.00
2023		$130,850 Land $13,780 Building $117,070	$130,850 Land $13,780 Building $117,070
2022	$2,933.00

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

Flood

FEMA maps place 524 Dearborn St in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 524 Dearborn St is low, with 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 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Central Link Broadband, Nextlink.

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