580 Monument Trl, Lorena, TX 76655 Property Records

McLennan County property record for 580 Monument Trl, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,952 sqft · built 2005
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Sep 2022)
Tax Bill	$11,481 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`30-080900-000137-0`

Property Details

APN / Parcel Number

Primary APN	`30-080900-000137-0`
Alternative APN	`316574`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,952 sqft Living Area
1st Floor Area	2,952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stone
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Metal
Lot Area	217,800 sqft
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	690 sqft
Porch	Open Porch
Porch Area	1,666 sqft
Patio Area	320 sqft
Storage Building	240 sqft
Utility Building	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	580 MONUMENT TRL
City	LORENA
State	TX
Zip	76655-4416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SILO HILL LOT 31 BLOCK 1 ACRES 5.0
Legal Subdivision	SILO HILL
Legal Block	1
Legal Lot Number	31
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1080
Census Tract	3701

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	2 Individual Names on Record
Mailing Address	580 MONUMENT TRL, LORENA, TX 76655-4416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Vendor's Lien, Transfer · ARM CENTRAL NATIONAL BANK
Apr 4, 2018	Loan Modification, Mortgage AMERICAN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Prior Sale	Jan 6, 2005 · Amount on Record
Deed Document Number	202237572
Prior Transfer Date	Dec 21, 2004
Prior Transfer Doc	0000000859
Record Updated	Oct 29, 2026

September 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Sep 16, 2022
Property Address	580 MONUMENT TRL, LORENA, TX 76655-4416
Document Number	0000037572
Map Reference	DOC 2001020154
Instrument Date	Sep 15, 2022
Instrument	2022037572
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	HOME ABSTRACT 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	580 MONUMENT TRL, LORENA, TX 76655-4416

Mortgage

Document Number	0000037573
Date	Sep 16, 2022
Instrument	2022037573

Lender

Name	CENTRAL NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	6-Month LIBOR
Margin	3
Max Rate	10.3%

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	580 MONUMENT TRL, LORENA, TX 76655-4416
Document Number	0000012243
Instrument Date	Apr 4, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	580 MONUMENT TRL LORENA TX 766554416, LORENA, TX 76655-4416

Mortgage

Document Number	0000012243
Date	Apr 17, 2018
Instrument	12243

Lender

Name	AMERICAN BK
Type	Bank
Address	WACO, TX 76715-4068

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$852,000 (+6.5%) Land $75,000 Building $777,000	$852,000 (+6.5%) Land $75,000 Building $777,000
2025	$11,481.00 (+11.33%)	$799,990 (+15.59%) Land $61,350 Building $738,640	$799,990 (+15.59%) Land $61,350 Building $738,640
2024	$10,313.00 (+5.31%)
2023		$692,090 Land $61,350 Building $630,740	$692,090 Land $61,350 Building $630,740
2022	$9,793.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	10 (1989–2015)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Nov 2015 · other causes
Claims by Event	Severe Storms, Tornadoes & Flooding, Apr 1990 · 2 claims

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	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LEVI WSC serves 2,298 people · EPA ID TX1550035
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

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

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