606 Spencer St, Waco, TX 76705 Property Records

McLennan County property record for 606 Spencer St, Waco, TX 76705

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,315 sqft · built 1960
Lot Size	0.24 acres (10,440 sqft)
Owner	Company Name on Record
Last Sale	$1,654,852 (Nov 2020)
Tax Bill	$3,272 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Mar 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20-038100-004700-0`

Property Details

APN / Parcel Number

Primary APN	`20-038100-004700-0`
Alternative APNs	`2003810000470000111` `115585`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,315 sqft Living Area
1st Floor Area	1,315 sqft
Flooring	Wood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1974
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	10,440 sqft (0.24 acres)
Lot Dimensions	120 ft deep x 87 ft wide
Garage Type	Detached
Garage Area	616 sqft
Driveway	Concrete Driveway
Driveway Area	300 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	25 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	606 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 B BLOCK 3 ACRES .2397
Legal Subdivision	PASSMORE
Legal Block	3
Legal Lot Number	B
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1058
Census Tract	3200

Owner

Source: McLennan County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2301 E RIVERSIDE DR, A-100, AUSTIN, TX 78741-3170
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2020	Grant Deed, Transfer · Line of Credit LENDINGONE
Mar 2, 2020	Vendor's Lien, Transfer · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2020 · Amount on Record
Deed Sale	Nov 2, 2020 · Amount on Record
Prior Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	202039020
Prior Transfer Date	Feb 28, 2020
Prior Transfer Doc	0000007100
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCLENNAN TX
Recording Date	Nov 2, 2020
Property Address	606 SPENCER ST, WACO, TX 76705-1147
Document Number	0000039020
Instrument Date	Oct 29, 2020
Instrument	39020
Transaction Type	Transfer
Record Updated	Nov 27, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2301 E RIVERSIDE DR #100A AUSTIN TX 787413116, 100A, AUSTIN, TX 78741-3116

Mortgage

Document Number	39021
Date	Nov 2, 2020
Instrument	39021

Lender

Name	LENDINGONE
Address	901 W YAMATO RD # 150, BOCA RATON, FL 33431-4472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2025

Interest

Rate Type	Adjustable Rate

March 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 2, 2020
Property Address	606 SPENCER ST, WACO, TX 76705-1147
Document Number	0000007100
Map Reference	VOL 848 PG 66
Instrument Date	Feb 28, 2020
Instrument	2020007100
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2301 E RIVERSIDE DR # 100A, A-100, AUSTIN, TX 78741-3170
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007101
Date	Mar 2, 2020
Instrument	2020007101

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
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	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		$125,000 (-26.69%) Land $41,134 Building $83,866	$125,000 (-26.69%) Land $41,134 Building $83,866
2025	$3,272.00 (-11.88%)	$170,504 (-14.13%) Land $37,480 Building $133,024	$170,504 (-14.13%) Land $37,480 Building $133,024
2024	$3,713.00 (+5.66%)
2023		$198,560 Land $37,480 Building $161,080	$198,560 Land $37,480 Building $161,080
2022	$3,514.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% 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.

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