723 N 12th St, Waco, TX 76707 Property Records

McLennan County property record for 723 N 12th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 2010
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$65,500 (Jul 2011)
Tax Bill	$2,583 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-018000-005300-6`

Property Details

APN / Parcel Number

Primary APN	`48-018000-005300-6`
Alternative APNs	`4801800000530060111` `173580`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	1,462 sqft
Flooring	Carpet

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Driveway	Concrete Driveway
Driveway Area	300 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	122 sqft
Patio Area	64 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	723 N 12TH ST
City	WACO
State	TX
Zip	76707-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O2
Legal Description	FINKS SUB LOT 17 BLOCK 230 ACRES .1722
Legal Subdivision	FINKS SUB
Legal Block	230
Legal Lot Number	17
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1022
Census Tract	1200

Owner

723 N 12th St is owned and occupied by an individual who bought it in July 2011.

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

Owner of Record	Individual Name on File
Mailing Address	723 N 12TH ST, WACO, TX 76707-3619
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2011 · Amount on File
Deed Sale	Jul 12, 2011 · Amount on File
Prior Sale	Mar 21, 2006
Deed Document Number	201120736
Prior Transfer Date	Mar 7, 2006
Prior Transfer Doc	0000009677
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	723 N 12TH ST, WACO, TX 76707-3619
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 N 12TH ST, WACO, TX 76707-3619

Mortgage

Document Number	0000038481
Date	Sep 21, 2021
Instrument	2021038481

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	AUSTIN, TX 78702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 20, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 723 N 12th St was $2,583 with a homeowner's exemption, up 1.7% 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		$219,107 (+1%)	$222,259 (+0.39%) Land $24,000 Building $198,259
2025	$2,583.00 (+1.69%) Homeowner's exemption	$199,188	$221,390 Land $21,750 Building $199,640
2024	$2,540.00
2023		$230,600 Land $21,750 Building $208,850	$230,600 Land $21,750 Building $208,850
2022	$2,121.00

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

Flood

FEMA maps place 723 N 12th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2000 · 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

Wildfire risk around 723 N 12th 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 99.1% of the US · lower than 99.3% 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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