600 Spencer St, Waco, TX 76705 Property Records

McLennan County property record for 600 Spencer St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,350 sqft · built 1959
Lot Size	0.243 acres (10,585 sqft)
Owner	Individual Name on File
Last Sale	$100,193 (Apr 2023)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`20-038100-005000-0`

Property Details

APN / Parcel Number

Primary APN	`20-038100-005000-0`
Alternative APNs	`2003810000500000111` `115588`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1974
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.243 acres)
Garage Type	Carport
Garage Area	182 sqft
Carport	Carport
Carport Area	182 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	296 sqft
Shed	1 Shed
Shed Area	120 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	600 SPENCER ST
City	WACO
State	TX
Zip	76705-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PASSMORE LOT E BLOCK 3 ACRES .243
Legal Subdivision	PASSMORE
Legal Block	3
Legal Lot Number	E
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1058
Census Tract	3200

Owner

600 Spencer St is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	600 SPENCER ST, WACO, TX 76705-1147
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Vendor's Lien, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Apr 3, 2023	Deed, Transfer
Aug 29, 2022	Intrafamily Transfer, Transfer
Feb 20, 2020	Deed of Trust, Mortgage COMMUNITY BK
Apr 18, 2019	Grant Deed, Transfer ATTORNEY ONLY
Apr 17, 2019	Grant Deed, Transfer ATTORNEY ONLY
Aug 5, 2018	Loan Modification, Mortgage COMMUNITY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2023 · Amount on File
Deed Sale	Apr 3, 2023 · Amount on File
Prior Sale	Apr 3, 2023
Deed Document Number	20239292
Prior Transfer Date	Sep 5, 2013
Prior Transfer Doc	0000032429
Record Updated	Oct 29, 2026

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Apr 3, 2023
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000009292
Map Reference	VOL 848 PG 66
Instrument Date	Mar 31, 2023
Instrument	2023009292
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 SPENCER ST, WACO, TX 76705-1147

Mortgage

Document Number	0000009293
Date	Apr 3, 2023
Instrument	2023009293

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 3, 2023
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000009291
Map Reference	VOL 848 PG 66
Instrument Date	Mar 31, 2023
Instrument	2023009291
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 JEWEL LN, WACO, TX 76705-5722
Investor	Possibly a Property Investor

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	Aug 29, 2022
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000034844
Instrument Date	Aug 25, 2022
Instrument	2022034844
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 JEWEL LN, WACO, TX 76705-5722
Investor	Possibly a Property Investor

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000008007
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 JEWEL LN WACO TX 767055722, WACO, TX 76705-5722

Mortgage

Document Number	0000008007
Date	Mar 9, 2020
Instrument	8007

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703-2303

Agreement

Amount	Amount on Record

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 18, 2019
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000012793
Instrument Date	Apr 17, 2019
Instrument	12793
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 JEWEL LN WACO TX 767055722, WACO, TX 76705-5722

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 17, 2019
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000012709
Instrument Date	Jan 4, 2019
Instrument	12709
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 JEWEL LN WACO TX 767055722, WACO, TX 76705-5722

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	600 SPENCER ST, WACO, TX 76705-1147
Document Number	0000031882
Instrument Date	Aug 5, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	695 JEWEL LN WACO TX 767055722, WACO, TX 76705-5722

Mortgage

Document Number	0000031882
Date	Sep 10, 2018
Instrument	31882

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703-2303

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 9, 2023

Interest

Rate	5.5%

Tax Assessment & Valuation

The 2025 property tax bill for 600 Spencer St was $1,574 with a homeowner's exemption, down 41.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Lacy-Lakeview City
Unified School District	Connally Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,723 (-3.86%) Land $41,388 Building $109,335	$150,723 (-3.86%) Land $41,388 Building $109,335
2025	$1,574.00 (-41.25%) Homeowner's exemption	$156,780 Land $37,680 Building $119,100	$156,780 Land $37,680 Building $119,100
2024	$2,679.00
2023		$182,820 Land $37,680 Building $145,140	$182,820 Land $37,680 Building $145,140
2022	$2,367.00

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

Flood

FEMA maps place 600 Spencer St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

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
Nearby Flood Claims	5 (1985–2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Feb 2020 · other causes
Claims by Event	Severe Storms, Tornadoes & Flooding, May 1989 · 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

Wildfire risk around 600 Spencer St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.04% 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	CITY OF LACY LAKEVIEW serves 7,275 people · EPA ID TX1550033
Water Source	Purchased surface water from CITY OF WACO
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 461 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Spencer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures