6604 Emerald Dr, Waco, TX 76708 Property Records

McLennan County property record for 6604 Emerald Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1986
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on Record
Last Sale	$147,300 (Mar 2018)
Tax Bill	$2,995 (2018)
Deeds & Mortgages	Apr 2020 Loan Modification Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-039801-003500-6`

Property Details

APN / Parcel Number

Primary APN	`14-039801-003500-6`
Alternative APNs	`1403980100350060111` `103226`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	1,872 sqft
1st Floor Area	1,416 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1999
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	456 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	236 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6604 EMERALD DR
City	WACO
State	TX
Zip	76708-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	HIGHLAND WOODS LOT 35 BLOCK 1 ACRES .1584
Legal Subdivision	HIGHLAND WOODS
Legal Block	1
Legal Lot Number	35
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6604 EMERALD DR, WACO, TX 76708-9718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Loan Modification, Mortgage AMERICAN BK NA
Mar 9, 2018	Vendor's Lien, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 6, 2017	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE GUARANTY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Prior Sale	Jul 6, 2017
Deed Document Number	20187563
Prior Transfer Date	Mar 5, 2018
Prior Transfer Doc	0000007563
Record Updated	Oct 29, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	6604 EMERALD DR, WACO, TX 76708-9718
Document Number	0000011963
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 154068 WACO TX 767154068, WACO, TX 76715-4068

Mortgage

Document Number	0000011963
Date	Apr 14, 2020
Instrument	11963

Lender

Name	AMERICAN BK NA
Address	WACO, TX 76715-4068

Agreement

Amount	Amount Recorded

March 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 9, 2018
Property Address	6604 EMERALD DR, WACO, TX 76708-9718
Document Number	0000007563
Map Reference	VOL1515 PG830
Instrument Date	Mar 5, 2018
Instrument	2018007563
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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	6604 EMERALD DR, WACO, TX 76708-9718

Mortgage

Document Number	0000007564
Date	Mar 9, 2018
Instrument	2018007564

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jul 6, 2017
Property Address	6604 EMERALD DR, WACO, TX 76708-9718
Document Number	0000021838
Instrument Date	Jul 5, 2017
Instrument	21838
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE GUARANTY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6604 EMERALD DR WACO TX 767089718, WACO, TX 76708-9718

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		$254,503 (+4.86%) Land $32,706 Building $221,797	$254,503 (-12.67%) Land $32,706 Building $221,797
2025		$242,704 (+1.15%) Land $29,670 Building $261,750	$291,420 (+21.45%) Land $29,670 Building $261,750
2023		$239,950 Land $29,670 Building $210,280	$239,950 Land $29,670 Building $210,280
2018	$2,995.00

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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