604 Elm Ave, Waco, TX 76704 Property Records

McLennan County property record for 604 Elm Ave, Waco, TX 76704

Property Summary

Property Type	Commercial Vacant Land
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Tax Bill	$675 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`48-034600-010100-7`

Property Details

APN / Parcel Number

Primary APN	`48-034600-010100-7`
Alternative APNs	`4803460001010070101` `187099`

Exterior

Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide

Location & Zoning

Street Address	604 ELM AVE
City	WACO
State	TX
Zip	76704-2517
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	2007 TIF
Legal Description	RENICK LOT 2 BLOCK 16 ACRES .132
Legal Subdivision	RENICK
Legal Block	16
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1046
Census Tract	1500

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	1721 TRICE AVE, WACO, TX 76707-2257
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF CENTRAL TX
Aug 12, 2020	Deed of Trust, Mortgage FIRST NAT'L BK/CTRL TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2011
Deed Sale	Nov 21, 2011
Deed Document Number	201135816
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	604 ELM AVE, WACO, TX 76704-2517
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025597
Date	Jul 23, 2018
Instrument	2018025597

Lender

Name	FIRST NATIONAL BANK OF CENTRAL TX
Type	Bank
Address	WACO, TX 76710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	604 ELM AVE, WACO, TX 76704-2517
Document Number	0000029020
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1721 TRICE AVE WACO TX 767072257, WACO, TX 76707-2257

Mortgage

Document Number	0000029020
Date	Aug 20, 2020
Instrument	29020

Lender

Name	FIRST NAT'L BK/CTRL TX
Type	Bank
Address	WACO, TX 76710

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
Municipality	Waco City
Unified School District	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$28,750 (-) Land $28,750	$28,750 (-) Land $28,750
2025	$675.00 (-0.3%)	$28,750 (-) Land $28,750	$28,750 (-) Land $28,750
2024	$677.00 (+0.59%)
2023		$28,750 Land $28,750	$28,750 Land $28,750
2022	$673.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 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 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 0.01% 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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