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

McLennan County property record for 634 S 7th St, Waco, TX 76706 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 533 sqft · built 2022
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on File
Tax Bill	$11,278 (2024)
Deeds & Mortgages	Jul 2019 Mortgage Dec 2020 Loan Modification + 4 more
Flood Zone	Zone AE (high risk)
APN	`480414000039004`

Property Details

APN / Parcel Number

Primary APN	`480414000039004`
Alternative APNs	`4804140000390040111` `193530`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	533 sqft Living Area
Gross Area	1,048 sqft
1st Floor Area	533 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2022
Exterior Material	Other
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,934 sqft (0.251 acres)
Lot Dimensions	153 ft deep x 83 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	138 sqft
Deck Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	193530
Old Parcel Number	4804140000390040111
Street Address	634 S 7TH ST
City	WACO
State	TX
Zip	76706-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TINSLEY LOT 1 2A BLOCK 2 ACRES .251
Legal Subdivision	TINSLEY
Legal Block	2
Legal Lot Number	1,2A 1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1002
Census Tract	401

Owner

Source: McLennan County records · APN 480414000039004

Assessment roll updated August 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Mailing Address	6 ROUND BLUFF CIR, WIMBERLEY, TX 78676-2105
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 03, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
Dec 02, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Jun 26, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Feb 15, 2020	Loan Modification, Mortgage CENTRAL NAT'L BK
Feb 15, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
May 17, 2018	Warranty Deed, Transfer · Commercial Mortgage CENTRAL NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 17, 2018
Deed Sale	May 17, 2018
Deed Document Number	2018016300
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	634 S 7TH ST, WACO, TX 76706-1126
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021998
Date	Jul 03, 2019
Instrument	2019021998

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	WACO, TX 76710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	634 S 7TH ST, WACO, TX 76706-1126
Document Number	0000001250
Instrument Date	Dec 02, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
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	0000001250
Date	Jan 12, 2021
Instrument	1250

Lender

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

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 11, 2022

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	634 S 7TH ST, WACO, TX 76706-1126
Document Number	0000024052
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 03, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 S 7TH ST WACO TX 767061126, WACO, TX 76706-1126

Mortgage

Document Number	0000024052
Date	Jul 17, 2020
Instrument	24052

Lender

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

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jul 16, 2021

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	634 S 7TH ST, WACO, TX 76706-1126
Document Number	0000008333
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 S 7TH ST WACO TX 767061126, WACO, TX 76706-1126

Mortgage

Document Number	0000008333
Date	Mar 11, 2020
Instrument	8333

Lender

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

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 10, 2025

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	634 S 7TH ST, WACO, TX 76706-1126
Document Number	0000008040
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 S 7TH ST WACO TX 767061126, WACO, TX 76706-1126

Mortgage

Document Number	0000008040
Date	Mar 09, 2020
Instrument	8040

Lender

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

Agreement

Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	May 17, 2018
Property Address	634 S 7TH ST, WACO, TX 76706-1126
Document Number	0000016300
Map Reference	VOL72 PG580
Instrument Date	May 15, 2018
Instrument	2018016300
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TITLE CO

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	1709 WISTERIA ST, DENTON, TX 76205-7449

Mortgage

Document Number	0000016301
Date	May 17, 2018
Instrument	2018016301

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated August 1, 2025 · Last verified October 2025

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$550,000 (+1%) Land $136,670 Building $413,330	$550,000 (+1%) Land $136,670 Building $413,330
2024	$11,278.00 (+0.62%)
2023		$500,000 Land $136,670 Building $363,330	$500,000 Land $136,670 Building $363,330
2022	$11,209.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLennan County (48309C), updated June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 483090004011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Radiate Holdings	Cable	1,500 / 50
Spectrum	Cable	1,000 / 1,000
AMG Technology Investment Group	Fixed Wireless	500 / 100
Helmsco	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: AT&T, T-Mobile USA, Spectrum, AMG Technology Investment Group, Radiate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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