6515 Emerald Dr, Waco, TX 76708 Property Records

McLennan County property record for 6515 Emerald Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,607 sqft · built 2021
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,304 (Nov 2024)
Tax Bill	$6,919 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Nov 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-039801-005500-5`

Property Details

APN / Parcel Number

Primary APN	`14-039801-005500-5`
Alternative APNs	`1403980100550050111` `103256`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,607 sqft Living Area
Gross Area	2,027 sqft
1st Floor Area	1,607 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	344 sqft
Patio Area	108 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6515 EMERALD DR
City	WACO
State	TX
Zip	76708-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	HIGHLAND WOODS LOT 10 BLOCK 2 ACRES 0.1584
Legal Subdivision	HIGHLAND WOODS
Legal Block	2
Legal Lot Number	10
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2057
Census Tract	4104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6515 EMERALD DR, WACO, TX 76708-9717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2024	Vendor's Lien, Transfer · FHA Mortgage THE LOAN STORE INC
Nov 1, 2022	Special Warranty Deed, Transfer
Aug 14, 2020	Loan Modification, Mortgage BANCORPSOUTH
Apr 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 15, 2017	Loan Modification, Mortgage TEXAS FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Nov 1, 2022
Deed Document Number	202442055
Prior Transfer Date	Apr 1, 2020
Prior Transfer Doc	0000013734
Record Updated	Oct 29, 2026

November 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Nov 12, 2024
Property Address	6515 EMERALD DR, WACO, TX 76708-9717
Document Number	0000042055
Map Reference	VOL 1515 PG 830
Instrument Date	Nov 7, 2024
Instrument	2024042055
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6515 EMERALD DR, WACO, TX 76708-9717

Mortgage

Document Number	0000042056
Date	Nov 12, 2024
Instrument	2024042056

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

November 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Nov 1, 2022
Property Address	6515 EMERALD DR, WACO, TX 76708-9717
Document Number	0000042818
Map Reference	VOL 1515 PG 830
Instrument Date	Oct 31, 2022
Instrument	2022042818
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10199 ROCK CREEK RD, WACO, TX 76708-7004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6515 EMERALD DR, WACO, TX 76708-9717

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	6515 EMERALD DR, WACO, TX 76708-9717
Document Number	0000028619
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1541 TRADING POST RD

Mortgage

Document Number	0000028619
Date	Aug 18, 2020
Instrument	28619

Lender

Name	BANCORPSOUTH
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Aug 17, 2021

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 29, 2020
Property Address	6515 EMERALD DR, WACO, TX 76708-9717
Document Number	0000013734
Instrument Date	Apr 1, 2020
Instrument	13734
Transaction Type	Transfer
Record Updated	Jun 22, 2020
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	10199 ROCK CREEK RD WACO TX 767087004, WACO, TX 76708-7004

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	6515 EMERALD DR, WACO, TX 76708-9717
Document Number	0000029086
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4030 WACO TX 767080400, WACO, TX 76708-0400

Mortgage

Document Number	0000029086
Date	Sep 5, 2017
Instrument	29086

Lender

Name	TEXAS FIRST ST BK
Type	Bank
Address	WACO, TX 76710

Agreement

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	Waco City
Unified School District	Bosqueville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$372,286 (-3.34%) Land $32,706 Building $339,580	$372,286 (-3.34%) Land $32,706 Building $339,580
2025	$6,919.00 Homeowner's exemption	$385,150 (+23.56%) Land $29,670 Building $355,480	$385,150 (+23.56%) Land $29,670 Building $355,480
2023		$311,710 Land $29,670 Building $282,040	$311,710 Land $29,670 Building $282,040
2022	$1,921.00 (-38.76%)
2018	$3,137.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	3 (2016–2024)
Most Recent Claim	May 2024 · river or lake flooding

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	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.07% 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 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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