704 Rusk St, Waco, TX 76704 Property Records

McLennan County property record for 704 Rusk St, Waco, TX 76704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,837 sqft · built 2018
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2019 Loan Modification + 3 more
Flood Zone	Zone X (moderate risk)
APN	`48-034600-015300-2`

Property Details

APN / Parcel Number

Primary APN	`48-034600-015300-2`
Alternative APNs	`4803460001530020111` `187144`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,837 sqft Living Area
1st Floor Area	1,041 sqft
2nd Floor Area	796 sqft
Flooring	Tile

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Driveway	Concrete Driveway
Driveway Area	350 sqft
Porch	Open Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	704 RUSK ST
City	WACO
State	TX
Zip	76704-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3D
Legal Description	RENICK LOT 2 BLOCK 21 ACRES .132
Legal Subdivision	RENICK
Legal Block	21
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1021
Census Tract	1500

Owner

704 Rusk St is owned and occupied by two individuals who acquired it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	704 RUSK ST, WACO, TX 76704-2235
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
Sep 3, 2020	Deed of Trust, Mortgage CRESCENT MTG
Mar 29, 2019	Loan Modification, Mortgage ALLIANCE BK CTRL TX
Aug 1, 2018	Trustee's Deed, Construction Loan · Construction Mortgage ALLIANCE BK CTRL TX
Apr 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2018
Deed Sale	Apr 9, 2018
Prior Sale	Jun 30, 2017
Deed Document Number	201811128
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	704 RUSK ST, WACO, TX 76704-2235
Document Number	0000031757
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	704 RUSK ST WACO TX 767042235, WACO, TX 76704-2235

Mortgage

Document Number	0000031757
Date	Sep 9, 2020
Instrument	31757

Lender

Name	CRESCENT MTG
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	704 RUSK ST, WACO, TX 76704-2235
Document Number	0000010821
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	704 RUSK ST WACO TX 767042235, WACO, TX 76704-2235

Mortgage

Document Number	0000010821
Date	Apr 2, 2019
Instrument	10821

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76714

Agreement

Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2024

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 1, 2018
Property Address	704 RUSK ST, WACO, TX 76704-2235
Instrument Date	Jul 31, 2018
Instrument	27130
Transaction Type	Construction Loan
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9821 CHAPEL RD #2223 WACO TX 767128797, 2223, WACO, TX 76712-8797

Mortgage

Document Number	0000027130
Date	Aug 1, 2018
Instrument	27130

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76714

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 31, 2019

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 9, 2018
Property Address	704 RUSK ST, WACO, TX 76704-2235
Document Number	0000011128
Instrument Date	Apr 2, 2018
Instrument	11128
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 TRAILWOOD DR WOODWAY TX 767123129, WOODWAY, TX 76712-3129

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 30, 2017
Property Address	704 RUSK ST, WACO, TX 76704-2235
Document Number	0000021316
Instrument Date	Jun 30, 2017
Instrument	21316
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	ATTORNEY ONLY

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	300 AUSTIN AVE #308 WACO TX 767012209, 308, WACO, TX 76701-2209

Tax Assessment & Valuation

The 2025 property tax bill for 704 Rusk St was $1,630 with a homeowner's exemption, down 12.7% from the year before.

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	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,850 (+1%)	$291,000 (-25.56%) Land $12,075 Building $278,925
2025	$1,630.00 (-12.74%) Homeowner's exemption Additional exemption filed	$229,864 Land $10,980 Building $379,940	$390,920 Land $10,980 Building $379,940
2024	$1,868.00
2023		$241,823 Land $10,980 Building $230,843	$241,823 Land $10,980 Building $230,843
2022	$1,574.00

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

Flood

FEMA maps place 704 Rusk St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force

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 704 Rusk St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 328 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 · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Central Link Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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