632 S 7th St, Waco, TX 76706 Property Records

McLennan County property record for 632 S 7th St, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,096 sqft · built 2022
Lot Size	0.095 acres (4,121 sqft)
Owner	Individual Name on Record
Last Sale	$28,100 (Mar 2016)
Tax Bill	$8,799 (2025)
Deeds & Mortgages	Mar 2020 Loan Modification Dec 2019 Loan Modification + 3 more
Flood Zone	Zone AE (high risk)
APN	`48-041400-003800-8`

Property Details

APN / Parcel Number

Primary APN	`48-041400-003800-8`
Alternative APNs	`4804140000380080101` `193529`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
1st Floor Area	1,096 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Material	Composition Shingle
Lot Area	4,121 sqft (0.095 acres)
Lot Dimensions	100 ft deep x 29 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	632 S 7TH ST
City	WACO
State	TX
Zip	76706-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2007 TIF
Legal Description	TINSLEY LOT 1A BLOCK 2 ACRES 0.0666 & 0.028 AC ABAND ROW, TOTAL 0.0946 AC
Legal Subdivision	TINSLEY
Legal Tract	2
Legal Block	2
Legal Lot Number	1A
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1002
Census Tract	401

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	624 S 7TH ST, WACO, TX 76706-1126
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Loan Modification, Mortgage · Line of Credit HOME ASSET INC
Dec 2, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Dec 2, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK
Dec 2, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK
Mar 2, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2016 · Amount on Record
Deed Sale	Mar 9, 2016 · Amount on Record
Deed Document Number	20167411
Prior Transfer Date	Mar 1, 2016
Prior Transfer Doc	0000007411
Record Updated	Oct 29, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	632 S 7TH ST, WACO, TX 76706-1126
Document Number	0000008016
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	TEXAS STATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	8827 W SAM HOUSTON PKWY N HOUSTON TX 770405323, HOUSTON, TX 77040-5323

Mortgage

Document Number	0000008016
Date	Mar 9, 2020
Instrument	8016

Lender

Name	HOME ASSET INC
Address	8827 W SAM HOUSTON PKWY N, HOUSTON, TX 77040-5323

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 8, 2023

Interest

Rate Type	Adjustable Rate

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	632 S 7TH ST, WACO, TX 76706-1126
Document Number	0000000571
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 WISTERIA ST DENTON TX 762057449, DENTON, TX 76205-7449

Mortgage

Document Number	0000000571
Date	Jan 7, 2020
Instrument	571

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	632 S 7TH ST, WACO, TX 76706-1126
Document Number	0000001842
Instrument Date	Dec 2, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 WISTERIA ST DENTON TX 762057449, DENTON, TX 76205-7449

Mortgage

Document Number	0000001842
Date	Jan 17, 2019
Instrument	1842

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	632 S 7TH ST, WACO, TX 76706-1126
Document Number	0000003186
Instrument Date	Dec 2, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 WISTERIA ST DENTON TX 762057449, DENTON, TX 76205-7449

Mortgage

Document Number	0000003186
Date	Jan 31, 2018
Instrument	3186

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 30, 2019

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	632 S 7TH ST, WACO, TX 76706-1126
Document Number	0000013216
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 WISTERIA ST DENTON TX 762057449, DENTON, TX 76205-7449

Mortgage

Document Number	0000013216
Date	Apr 27, 2017
Instrument	13216

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 26, 2022

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		$377,000 (-7.24%) Land $4,873 Building $372,127	$377,000 (-7.24%) Land $4,873 Building $372,127
2025	$8,799.00 (+59.23%)	$406,410 (+47.79%) Land $36,260 Building $370,150	$406,410 (+47.79%) Land $36,260 Building $370,150
2024	$5,526.00 (-10.36%)
2023		$275,000 Land $41,160 Building $233,840	$275,000 Land $41,160 Building $233,840
2022	$6,165.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 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	Not rated no burnable land within 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 60 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 · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

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

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