7120 S 3rd St Rd, Waco, TX 76706 Property Records

McLennan County property record for 7120 S 3rd St Rd, Waco, TX 76706

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,802 sqft · built 1999
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on File
Tax Bill	$5,071 (2024)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`440120010001006`

Property Details

APN / Parcel Number

Primary APN	`440120010001006`
Alternative APNs	`4401200100010060111` `159667`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,802 sqft Living Area
Gross Area	3,310 sqft
1st Floor Area	2,802 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Attached
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	189 sqft
Patio Area	370 sqft
Shed	1 Shed
Shed Area	512 sqft
Greenhouse	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	159667
Old Parcel Number	4401200100010060111
Street Address	7120 S 3RD ST RD
City	WACO
State	TX
Zip	76706-7355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PAYNE LOT 1 BLOCK 1 ACRES 1.16
Legal Subdivision	PAYNE
Legal Block	1
Legal Lot Number	1
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1092
Census Tract	3701

Owner

Source: McLennan County records · APN 440120010001006

Assessment roll updated August 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Mailing Address	7120 S 3RD ST RD, WACO, TX 76706-7355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 30, 1997
Deed Sale	May 30, 1997
Deed Document Number	978303
Record Updated	Jun 08, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jan 12, 2018
Property Address	7120 S 3RD ST RD, WACO, TX 76706-7355
Document Number	0000001208
Instrument Date	Jan 12, 2018
Instrument	1208
Transaction Type	Transfer
Record Updated	Jan 22, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3025 CONCHO BEND DR WACO TX 767128847, WACO, TX 76712-8847

Mortgage

Document Number	1209
Date	Jan 12, 2018
Instrument	1209

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	BRYAN, TX 77802

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 11, 2033

Tax Assessment & Valuation

Source: McLennan County records · Assessment roll updated August 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Robinson Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$496,180 (-7.12%) Land $38,960 Building $457,220	$496,180 (-7.12%) Land $38,960 Building $457,220
2024	$5,071.00 (+13.67%)
2023		$534,190 Land $38,960 Building $495,230	$534,190 Land $38,960 Building $495,230
2022	$4,461.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 9, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	10 (1989–2015)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Nov 2015 · other causes
Claims by Event	Severe Storms, Tornadoes & Flooding, Apr 1990 · 2 claims

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Helmsco Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 24 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WEST BRAZOS WSC serves 3,183 people
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.