McLennan County property record for 646 Schwan Ln, Waco, TX 76712
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,853 sqft · built 1952 |
| Lot Size | 7.6 acres (331,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Mar 2015) |
| Tax Bill | $4,462 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-027900-002804-5 |
| Primary APN | 36-027900-002804-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,853 sqft Living Area |
| 1st Floor Area | 2,464 sqft |
| 2nd Floor Area | 1,389 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 331,056 sqft |
| Garage Type | Detached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 589 sqft |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 646 SCHWAN LN |
|---|---|
| City | WOODWAY |
| State | TX |
| Zip | 76712-2809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | DAVIS L R ACRES 7.6 |
| Legal Subdivision | DAVIS L R |
| Legal Lot Number | R |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | CRAWFORD |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 4000 |
646 Schwan Ln is owned and occupied by two individuals who bought it in March 2015.
Source: McLennan County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 646 SCHWAN LN, WOODWAY, TX 76712-2809 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2015 · Amount on File |
| Deed Sale | Mar 23, 2015 · Amount on File |
| Deed Document Number | 20158401 |
| Prior Transfer Date | Mar 19, 2015 |
| Prior Transfer Doc | 0000008401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 646 SCHWAN LN, WACO, TX 76712-2809 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000038578 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 2020038578 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 646 Schwan Ln was $4,462 with a homeowner's exemption, up 4.5% from the year before.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Unified School District | Midway Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $427,000 (-4.15%) Land $110,048 Building $316,952 | $427,000 (-16.91%) Land $110,048 Building $316,952 | |
| 2025 | $4,462.00 (+4.5%) Homeowner's exemption | $445,504 Land $90,760 Building $423,110 | $513,870 Land $90,760 Building $423,110 |
| 2024 | $4,270.00 | ||
| 2023 | $448,600 Land $90,760 Building $357,840 | $448,600 Land $90,760 Building $357,840 | |
| 2022 | $3,795.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 Schwan Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1998.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 7 (1998–2024) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | May 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 646 Schwan Ln is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTERN HILLS WATER SYSTEM private · serves 3,048 people · EPA ID TX1550072 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 4 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 500 / 100 |
| Rise Broadband Fixed Wireless | 50 / 10 |
May also be available: AT&T, Spectrum, T-Mobile.
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