525 S 4th St, Waco, TX 76706 Property Records

McLennan County property record for 525 S 4th St, Waco, TX 76706

Property Summary

Property Type	Commercial
Details	16,020 sqft · built 1971
Lot Size	0.929 acres (40,467 sqft)
Owner	Company Name on Record
Tax Bill	$1,881 (2025)
Deeds & Mortgages	Jul 2020 Loan Modification Jul 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`48-018005-000300-0`

Property Details

APN / Parcel Number

Primary APN	`48-018005-000300-0`
Alternative APN	`374118`

Interior

Stories	1 Story
Building Area	16,020 sqft Gross Area
1st Floor Area	16,020 sqft
Flooring	Carpet

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick Veneer
Construction Type	Steel Frame
Roof Material	Built-Up Asphalt
Lot Area	40,467 sqft (0.929 acres)
Lot Dimensions	231 ft deep x 165 ft wide
Canopy	980 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	525 S 4TH ST
City	WACO
State	TX
Zip	76706-1029
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	2007 TIF
Legal Description	FIRST BAPT CH OF WACO BLOCK 3 LOT 1 .875 AC, C (ABAND ALLEY) .054 AC TOTAL .929 AC
Legal Subdivision	FIRST BAPT CH OF WACO
Legal Block	3
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2078
Census Tract	100

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	Company Name on Record
Mailing Address	500 CLAY AVE, WACO, TX 76706
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Loan Modification, Mortgage COMMUNITY BK
Jul 1, 2017	Loan Modification, Mortgage COMMUNITY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	525 S 4TH ST, WACO, TX 76706
Document Number	0000027720
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 647 WACO TX 767030647, WACO, TX 76703-0647

Mortgage

Document Number	0000027720
Date	Aug 12, 2020
Instrument	27720

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Aug 11, 2021

Interest

Rate	4.25%

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	525 S 4TH ST, WACO, TX 76706
Document Number	0000022862
Instrument Date	Jul 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 647 WACO TX 767030647, WACO, TX 76703-0647

Mortgage

Document Number	0000022862
Date	Jul 17, 2017
Instrument	22862

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jul 16, 2020

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$1,739,575 (-7.54%) Land $1,011,681 Building $727,894	$1,739,575 (-7.54%) Land $1,011,681 Building $727,894
2025	$1,881.00 Additional exemption filed	$1,881,450 (-) Land $1,011,680 Building $869,770	$1,881,450 (-) Land $1,011,680 Building $869,770
2024	$1,881.00
2023		$1,881,450 Land $1,011,690 Building $869,760	$1,881,450 Land $1,011,690 Building $869,760
2022	$1,881.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 60 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
Central Link Broadband Fixed Wireless	100 / 20

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

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