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657 Ruby Ave, Waco, TX 76710 Property Records

McLennan County property record for 657 Ruby Ave, Waco, TX 76710 · Last verified June 2026

Property Highlights

Property TypeCommercial > Retail
Year BuiltBuilt 1954
Square Footage14,000 sqft Gross Area
Lot Size17,500 sqft (0.402 acres)
Last Sale$703,100 (2020)
Tax Bill$5,620.00 (2025)

Property Details

APN / Parcel Number

Primary APN48-043801-000600-5
Alternative APNs
  • 4804380100060050111
  • 196716

Interior

Building Area14,000 sqft Gross Area
1st Floor10,900 sqft 1st Floor
Upper Floors3,100 sqft Upper Floors
Stories1 Stories

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1954
Exterior MaterialBrick Veneer Exterior
Construction TypeConcrete Construction
Roof ConstructionSawtooth Roof Construction
Roof MaterialBuiltup (layered Asphalt) Roof
Lot Area17,500 sqft (0.402 acres)
Depth X Width165 ft x 100 ft Depth x Width
Total Buildings2 Total Buildings
Patio Area240 sqft Patio
Canopy Area174 sqft Canopy

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address657 RUBY AVE
CityWACO
StateTX
Zip76710-6036
Property UsageCommercial Property Usage
TypeCommercial > Retail
Legal DescriptionWESTVIEW LOT 6 BLOCK 1 ACRES .4017
Legal SubdivisionWESTVIEW
Legal Block1
Legal Lot Number6
JurisdictionMCLENNAN TX
Minor Civil DivisionWACO
Census Blockgroup4
Census Block4011
Census Tract2302

Owner

Source: McLennan County records · APN 48-043801-000600-5

Assessment roll updated September 9, 2025 · Last verified June 2026

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

Owner of RecordCompany Name on File
Mailing Address3408 MACARTHUR DR, WACO, TX 76708-1740
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2020Deed of Trust, Mortgage · Commercial Mortgage
NATIONAL UNITED
Apr 10, 2019Deed of Trust, Mortgage · Commercial Mortgage
CENTRAL NATIONAL BANK
Oct 09, 2020Loan Modification, Mortgage
NOT AVAILABLE
Apr 09, 2020Loan Modification, Mortgage
NOT AVAILABLE
Sep 01, 2018Loan Modification, Mortgage
COMMUNITY BK
Mar 01, 2018Loan Modification, Mortgage
COMMUNITY BK COAST
Sep 01, 2017Loan Modification, Mortgage
COMMUNITY BK
Mar 01, 2017Loan Modification, Mortgage
COMMUNITY BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 16, 2020 · Amount on Record
Deed SaleDec 16, 2020 · Amount on Record
Deed Doc Number202044806
Record RefreshedSep 20, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000044807
DateDec 16, 2020
Instrument2020044807
Lender
NameNATIONAL UNITED
TypeBank
AddressGATESVILLE, TX 76528
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term36 Months
DueDec 14, 2023

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000011731
DateApr 10, 2019
Instrument2019011731
Lender
NameCENTRAL NATIONAL BANK
TypeSubprime Lender
AddressWACO, TX 76710
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Document Number0000043131
Instrument DateOct 09, 2020
Transaction TypeMortgage
Record UpdatedDec 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5400 BOSQUE BLVD #100 WACO TX 767104446, 100, WACO, TX 76710-4446

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Document Number0000016135
Instrument DateApr 09, 2020
Transaction TypeMortgage
Record UpdatedJul 01, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address657 RUBY AVE WACO TX 767106036, WACO, TX 76710-6036

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Document Number0000032459
Instrument DateSep 01, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address657 RUBY AVE WACO TX 767106036, WACO, TX 76710-6036

Mortgage

Document Number0000032459
DateSep 13, 2018
Instrument32459
Lender
NameCOMMUNITY BK
TypeBank
AddressWACO, TX 76703
Agreement
AmountAmount Recorded
Term12 Months
DueSep 12, 2019
Interest
Rate3%

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Document Number0000009846
Instrument DateMar 01, 2018
Transaction TypeMortgage
Record UpdatedApr 12, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address657 RUBY AVE WACO TX 767106036, WACO, TX 76710-6036

Mortgage

Document Number0000009846
DateMar 29, 2018
Instrument9846
Lender
NameCOMMUNITY BK COAST
TypeBank
AddressWACO, TX 76703
Agreement
AmountAmount Recorded
Term12 Months
DueMar 28, 2019
Interest
Rate TypeFixed Rate
Rate3%

September 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Document Number0000030141
Instrument DateSep 01, 2017
Transaction TypeMortgage
Record UpdatedAug 25, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address657 RUBY AVE WACO TX 76710, WACO, TX 76710

Mortgage

Document Number0000030141
DateSep 14, 2017
Instrument30141
Lender
NameCOMMUNITY BK
TypeBank
AddressWACO, TX 76703
Agreement
AmountAmount Recorded
Term12 Months
DueSep 13, 2018
Interest
Rate TypeFixed Rate
Rate3%

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCLENNAN TX
Property Address657 RUBY AVE, WACO, TX 76710-6036
Document Number0000007503
Instrument DateMar 01, 2017
Transaction TypeMortgage
Record UpdatedAug 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address657 RUBY AVE WACO TX 76710, WACO, TX 76710

Mortgage

Document Number0000007503
DateMar 09, 2017
Instrument7503
Lender
NameCOMMUNITY BK
TypeBank
AddressWACO, TX 76703
Agreement
AmountAmount Recorded
Term12 Months
DueMar 08, 2018
Interest
Rate TypeFixed Rate
Rate3%

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated September 9, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateTexas
CountyMcLennan County
MunicipalityWaco City
Unified School DistrictWaco Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,620.00 (-10.77%)$250,000 (+7.44%) Land $61,250 Building $188,750$250,000 (+7.44%) Land $61,250 Building $188,750
2024$6,298.00 (+20.74%)
2023$232,680 Land $61,250 Building $171,430$232,680 Land $61,250 Building $171,430
2022$5,216.00

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