6605 Emerald Dr, Waco, TX 76708 Property Records

McLennan County property record for 6605 Emerald Dr, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1998
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on Record
Last Sale	$100,198 (Jun 2026)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-039801-005100-0`

Property Details

APN / Parcel Number

Primary APN	`14-039801-005100-0`
Alternative APNs	`1403980100510000111` `103252`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	1,896 sqft
1st Floor Area	1,416 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
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	480 sqft
Driveway	Concrete Driveway
Driveway Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6605 EMERALD DR
City	WACO
State	TX
Zip	76708-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	HIGHLAND WOODS LOT 6 BLOCK 2 ACRES .1584
Legal Subdivision	HIGHLAND WOODS
Legal Block	2
Legal Lot Number	6
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	6605 EMERALD DR, WACO, TX 76708-9719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed, Transfer · FHA Mortgage GRANITE BANK
May 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 14, 2017	Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	May 17, 2021 · Amount on Record
Deed Document Number	202618459
Prior Transfer Date	Apr 14, 2016
Prior Transfer Doc	0000011629
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 9, 2026
Property Address	6605 EMERALD DR, WACO, TX 76708-9719
Document Number	0000018459
Instrument Date	Jun 9, 2026
Instrument	202618459
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6605 EMERALD DR, WACO, TX 76708-9719

Mortgage

Document Number	0000018460,
Date	Jun 9, 2026
Instrument	202618460

Lender

Name	GRANITE BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLENNAN TX
Recording Date	May 17, 2021
Property Address	6605 EMERALD DR, WACO, TX 76708-9719
Document Number	0000018964
Map Reference	VOL 1515 PG 830
Instrument Date	May 10, 2021
Instrument	2021018964
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	PRIORITY SETTLEMENT GROUP/TX LLC, PRIORITY STLMT GROUP OF TX

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6605 EMERALD DR, WACO, TX 76708-9719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6605 EMERALD DR, WACO, TX 76708-9719

Mortgage

Document Number	0000018965
Date	May 17, 2021
Instrument	2021018965

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	6605 EMERALD DR, WACO, TX 76708-9719
Document Number	0000005652
Instrument Date	Feb 14, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	LINEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6605 EMERALD DR WACO TX 767089719, WACO, TX 76708-9719

Mortgage

Document Number	0000005652
Date	Feb 23, 2017
Instrument	5652

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Feb 22, 2045

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		$234,740 (+1%)	$271,825 (-12.82%) Land $32,706 Building $239,119
2025	$2,864.00 (-7.61%) Homeowner's exemption	$213,400 (+1%)	$311,780 (+60.71%) Land $29,670 Building $282,110
2024	$3,100.00 (+0.39%)
2023		$194,000 Land $25,810 Building $168,190	$194,000 Land $25,810 Building $168,190
2022	$3,088.00

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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