649 Stillwater Rd, Waco, TX 76708 Property Records

McLennan County property record for 649 Stillwater Rd, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1992
Lot Size	2.86 acres (124,799 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,993 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jan 2019 Transfer
Flood Zone	Zone A (high risk)
APN	`18-203500-000100-0`

Property Details

APN / Parcel Number

Primary APN	`18-203500-000100-0`
Alternative APNs	`1800330003131810111` `180033000313181` `415290` `107419`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	600 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	124,799 sqft
Porch	Open Porch
Porch Area	510 sqft
Patio Area	1,280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	649 STILLWATER RD
City	WACO
State	TX
Zip	76708-7066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	BENTON LOT 1 BLOCK 1 ACRES 2.865
Legal Subdivision	BENTON
Legal Block	1
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	CHINA SPRING
Census Block Group	2
Census Block	2008
Census Tract	4102

Owner

649 Stillwater Rd is owned and occupied by two individuals who acquired it in January 2019.

Source: McLennan County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	649 STILLWATER RD, WACO, TX 76708-7066
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2019	Warranty Deed, Transfer COMMUNITY BK
Jan 25, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 22, 2019
Transfer Doc	0000002632
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 26, 2019
Property Address	649 STILLWATER RD, WACO, TX 76708-7066
Document Number	0000021034
Instrument Date	Jun 25, 2019
Instrument	21034
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 ORIENTAL RD WACO TX 767107240, WACO, TX 76710-7240

Mortgage

Document Number	21035
Date	Jun 26, 2019
Instrument	21035

Lender

Name	COMMUNITY BK
Type	Bank
Address	WACO, TX 76703-2303

Agreement

Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jan 25, 2019
Property Address	649 STILLWATER RD, WACO, TX 76708-7066
Document Number	0000002632
Instrument Date	Jan 22, 2019
Instrument	2632
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3024 CONCHO BEND DR WACO TX 767128842, WACO, TX 76712-8842

Tax Assessment & Valuation

The 2025 property tax bill for 649 Stillwater Rd was $8,993 with a homeowner's exemption, down 20.1% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	China Spring Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$765,000 (-) Land $206,550 Building $558,450	$765,000 (-) Land $206,550 Building $558,450
2025	$8,993.00 (-20.09%) Homeowner's exemption	$765,000 Land $206,550 Building $558,450	$765,000 Land $206,550 Building $558,450
2024	$11,254.00
2023		$226,280 Land $206,450 Building $19,830	$226,280 Land $206,450 Building $19,830
2022	$3,348.00

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

Flood

FEMA maps place 649 Stillwater Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2007–2012)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2012 · rainfall accumulation

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

Wildfire risk around 649 Stillwater Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 51% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	PATRICK WSC serves 220 people · EPA ID TX1550134
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 ppb (2024–2026) 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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