720 Elm Ave, #101, Waco, TX 76704 Property Records

McLennan County property record for 720 Elm Ave, #101, Waco, TX 76704

Property Summary

Property Type	Commercial
Details	3,750 sqft · built 1928
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on Record
Tax Bill	$10,167 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`48-034600-013700-9`

Property Details

APN / Parcel Number

Primary APN	`48-034600-013700-9`
Alternative APNs	`4803460001370090111` `187129`

Interior

Stories	1 Story
Building Area	3,750 sqft Gross Area
1st Floor Area	3,750 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1956
Exterior Material	Brick Veneer
Construction Type	Concrete Block
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Patio Area	320 sqft
Canopy	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	720 ELM AVE, 101
City	WACO
State	TX
Zip	76704-2621
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	2007 TIF
Legal Description	RENICK LOT 5 BLOCK 19 ACRES .132
Legal Subdivision	RENICK
Legal Block	19
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1047
Census Tract	1500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 2214, WACO, TX 76703-2214
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
Jan 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
May 2, 2019	Loan Modification, Mortgage CENTRAL NAT'L BK
Mar 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017
Deed Sale	Mar 6, 2017
Deed Document Number	20176948
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	720 ELM AVE # 101, 101, WACO, TX 76704-2621
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022779
Date	Jul 5, 2018
Instrument	2018022779

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	WACO, TX 76710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	720 ELM AVE # 101, 101, WACO, TX 76704-2621
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002900
Date	Jan 27, 2020
Instrument	2020002900

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	WOODWAY, TX 76712

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	720 ELM AVE # 101, 101, WACO, TX 76704-2621
Document Number	0000019053
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	720 ELM ST WACO TX 76704, WACO, TX 76704

Mortgage

Document Number	0000019053
Date	Jun 10, 2019
Instrument	19053

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 6, 2017
Property Address	720 ELM AVE # 101, 101, WACO, TX 76704-2621
Document Number	0000006948
Instrument Date	Mar 6, 2017
Instrument	6948
Transaction Type	Transfer
Record Updated	Apr 11, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2214 WACO TX 767032214, WACO, TX 76703-2214

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	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$422,500 (-2.42%) Land $2,732 Building $419,768	$422,500 (-6.23%) Land $2,732 Building $419,768
2025	$10,167.00 (+19.63%)	$432,965 (+44%) Land $20,700 Building $429,890	$450,590 (+49.86%) Land $20,700 Building $429,890
2024	$8,499.00 (+20.71%)
2023		$300,670 Land $17,250 Building $283,420	$300,670 Land $17,250 Building $283,420
2022	$7,041.00

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 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 Record 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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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