5905 Flat Rock Rd, Waco, TX 76708 Property Records

McLennan County property record for 5905 Flat Rock Rd, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,365 sqft · built 2000
Lot Size	1.03 acres (45,051 sqft)
Owner	Individual Name on Record
Last Sale	$280,300 (Oct 2018)
Tax Bill	$6,516 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-041300-001200-8`

Property Details

APN / Parcel Number

Primary APN	`18-041300-001200-8`
Alternative APNs	`1804130000120080101` `110306`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,364 sqft Living Area
Gross Area	2,868 sqft
1st Floor Area	2,364 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	45,051 sqft
Garage Type	Attached
Garage Area	504 sqft
Driveway	Concrete Driveway
Driveway Area	3,400 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5905 FLAT ROCK RD
City	WACO
State	TX
Zip	76708-5801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TREE LAKE RANCH LOT 2 BLOCK 2
Legal Subdivision	TREE LAKE RANCH
Legal Block	2
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2040
Census Tract	4105

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	Individual Name on Record
Mailing Address	5905 FLAT ROCK RD, WACO, TX 76708-5801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 24, 2018	Vendor's Lien, Transfer NATIONS DIRECT MORTGAGE LLC
Oct 24, 2018	Affidavit of Death, Transfer TEXAS CENTRAL TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	201837561
Prior Transfer Date	Oct 23, 2018
Prior Transfer Doc	0000037561
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	5905 FLAT ROCK RD, WACO, TX 76708-5801
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 FLAT ROCK RD, WACO, TX 76708-5801
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000328
Date	Jan 6, 2025
Instrument	2025000328

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Oct 24, 2018
Property Address	5905 FLAT ROCK RD, WACO, TX 76708-5801
Document Number	0000037561
Map Reference	VOL158 PG855
Instrument Date	Oct 23, 2018
Instrument	2018037561
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	PO BOX 992, ALLEN, TX 75013-0016
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037562
Date	Oct 24, 2018
Instrument	2018037562

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

October 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MCLENNAN TX
Recording Date	Oct 24, 2018
Property Address	5905 FLAT ROCK RD, WACO, TX 76708-5801
Document Number	0000037559
Instrument Date	Oct 23, 2018
Instrument	37559
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	TEXAS CENTRAL TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23643 HAWKINS CREEK CT KATY TX 774942200, KATY, TX 77494-2200

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	China Spring Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$519,223 (+5.76%) Land $57,215 Building $462,008	$519,223 (-0.38%) Land $57,215 Building $462,008
2025	$6,516.00 (-3.96%) Homeowner's exemption Senior Citizen's exemption	$490,942 (+1.62%) Land $52,260 Building $468,940	$521,200 (+7.88%) Land $52,260 Building $468,940
2024	$6,785.00 (+5.28%)
2023		$483,130 Land $52,260 Building $430,870	$483,130 Land $52,260 Building $430,870
2022	$6,445.00

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 19 policies
Nearby Flood Policies	19 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond 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 235 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	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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