550 Creek Rd, Lorena, TX 76655 Property Records

McLennan County property record for 550 Creek Rd, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,326 sqft · built 1987
Lot Size	4.73 acres (206,431 sqft)
Owner	2 Individual Names on File
Last Sale	$720,577 (Jul 2026)
Tax Bill	$3,863 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`30-081300-001102-0`

Property Details

APN / Parcel Number

Primary APN	`30-081300-001102-0`
Alternative APNs	`3008130000110200111` `130873`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,326 sqft Living Area
Gross Area	2,850 sqft
1st Floor Area	2,326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	206,431 sqft
Garage Type	Attached
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	650 sqft
Porch	Open Porch
Porch Area	478 sqft
Patio Area	1,160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	550 CREEK RD
City	LORENA
State	TX
Zip	76655-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SWOPE F ACRES 4.739
Legal Subdivision	SWOPE F
Jurisdiction	MCLENNAN TX
Township / Civil Division	MOODY-LORENA
Census Block Group	3
Census Block	3026
Census Tract	3801

Owner

550 Creek Rd is owned and occupied by two individuals who bought it in July 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	550 CREEK RD, LORENA, TX 76655-3527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed, Transfer · VA Mortgage EXTRACO BANK
Sep 23, 2020	Deed of Trust, Mortgage WALLICK & VOLK
Nov 16, 2018	Vendor's Lien, Transfer GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on File
Deed Sale	Jul 30, 2026 · Amount on File
Prior Sale	Nov 16, 2018 · Amount on File
Deed Document Number	202624412
Prior Transfer Date	Nov 15, 2018
Prior Transfer Doc	0000040070
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 30, 2026
Property Address	550 CREEK RD, LORENA, TX 76655-3527
Document Number	0000024412
Instrument Date	Jul 30, 2026
Instrument	202624412
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FIRST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 CREEK RD, LORENA, TX 76655-3527

Mortgage

Document Number	0000024413,
Date	Jul 30, 2026
Instrument	202624413

Lender

Name	EXTRACO BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	550 CREEK RD, LORENA, TX 76655-3527
Document Number	0000034425
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	550 CREEK RD LORENA TX 766553527, LORENA, TX 76655-3527

Mortgage

Document Number	0000034425
Date	Sep 29, 2020
Instrument	34425

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

November 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Nov 16, 2018
Property Address	550 CREEK RD, LORENA, TX 76655-3527
Document Number	0000040070
Map Reference	VOL1178 PG168
Instrument Date	Nov 15, 2018
Instrument	2018040070
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 CREEK RD, LORENA, TX 76655-3527

Mortgage

Document Number	0000040071
Date	Nov 16, 2018
Instrument	2018040071

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 550 Creek Rd was $3,863, down 13.8% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Lorena Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$575,937 (+5.24%) Land $77,269 Building $498,668	$575,937 (-2.63%) Land $77,269 Building $498,668
2025	$3,863.00 (-13.81%) Homeowner's exemption Senior Citizen's exemption	$547,267	$591,520 Land $63,780 Building $527,740
2024	$4,482.00
2023		$515,020 Land $63,780 Building $451,240	$515,020 Land $63,780 Building $451,240
2022	$4,343.00

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

Flood

FEMA maps place 550 Creek Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 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 550 Creek Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.1% 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 LORENA serves 1,776 people · EPA ID TX1550036
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Nextlink, Verizon.

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