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5404 Flat Rock Rd, Waco, TX 76708 Property Records

McLennan County property record for 5404 Flat Rock Rd, Waco, TX 76708 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,995 sqft · built 2004
Lot Size0.6 acres (26,136 sqft)
OwnerIndividual Name on File
Tax Bill$3,734 (2024)
Deeds & MortgagesOct 2025 Mortgage
Jan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN180425060022004

Property Details

APN / Parcel Number

Primary APN180425060022004
Alternative APNs
  • 1804250600220040101
  • 110358

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,995 sqft Living Area
Gross Area2,504 sqft
1st Floor Area1,995 sqft
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2008
Exterior MaterialBrick
Construction TypeBrick
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle
Lot Area26,136 sqft (0.6 acres)
Lot Dimensions216 ft deep x 120 ft wide
Garage TypeAttached
Garage Area509 sqft
DrivewayDriveway
Driveway Area2,500 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area420 sqft
PorchOpen Porch
Porch Area202 sqft
Patio Area80 sqft
FenceFence
Storage Building160 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number110358
Old Parcel Number1804250600220040101
Street Address5404 FLAT ROCK RD
CityWACO
StateTX
Zip76708-5835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAGE LAKE LOT 1 BLOCK 6 ACRES .6
Legal SubdivisionVILLAGE LAKE
Legal Block6
Legal Lot Number1
JurisdictionMCLENNAN TX
Township / Civil DivisionWACO
Census Block Group2
Census Block2044
Census Tract4105

Owner

Source: McLennan County records · APN 180425060022004

Assessment roll updated August 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address5404 FLAT ROCK RD, WACO, TX 76708-5835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2025Deed of Trust, Mortgage · VA Mortgage
NEW ERA LENDING LLC
Jan 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 31, 2024
Deed SaleJul 31, 2024
Prior SaleMay 27, 2011
Deed Document Number2024030972
Record UpdatedJun 07, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLENNAN TX
Property Address5404 FLAT ROCK RD, WACO, TX 76708-5835
Transaction TypeMortgage
Record UpdatedNov 18, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5404 FLAT ROCK RD, WACO, TX 76708-5835

Mortgage

Document Number0000032834
DateOct 27, 2025
Instrument2025032834
Lender
NameNEW ERA LENDING LLC
TypeMortgage Company
AddressHOUSTON, TX 77027
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLENNAN TX
Property Address5404 FLAT ROCK RD, WACO, TX 76708-5835
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001966
DateJan 21, 2020
Instrument2020001966
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 01, 2035

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated August 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateTexas
CountyMcLennan County
MunicipalityWaco City
Unified School DistrictChina Spring Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$398,740 (-4.6%) Land $53,580 Building $345,160$398,740 (-4.6%) Land $53,580 Building $345,160
2024$3,734.00 (-34.72%)
2023$417,970 Land $53,580 Building $364,390$417,970 Land $53,580 Building $364,390
2022$5,720.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLennan County (48309C), updated June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 483090041052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Nearby Flood Policies19 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 76 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Radiate HoldingsCable1,500 / 50
SpectrumCable1,000 / 1,000
AMG Technology Investment GroupFixed Wireless500 / 100

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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