726 N 13th St, Waco, TX 76707 Property Records

McLennan County property record for 726 N 13th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,916 sqft · built 1910
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$276,972 (Apr 2024)
Tax Bill	$5,931 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-018000-023226-0`

Property Details

APN / Parcel Number

Primary APN	`48-018000-023226-0`
Alternative APN	`324459`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,916 sqft Living Area
1st Floor Area	1,916 sqft
Flooring	Wood

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	148 ft deep x 65 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	1,300 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	372 sqft
Deck Area	252 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	726 N 13TH ST
City	WACO
State	TX
Zip	76707-3628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O2
Legal Description	FINKS SUB LOT 26 BLOCK 232 ACRES .22
Legal Subdivision	FINKS SUB
Legal Block	232
Legal Lot Number	26
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1025
Census Tract	1200

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	1079 KALANIANAOLE ST, HILO, HI 96720-4714
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK & TRUST
Apr 19, 2018	Warranty Deed, Transfer USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Apr 19, 2018 · Amount on Record
Deed Document Number	202412646
Prior Transfer Date	Aug 9, 2011
Prior Transfer Doc	0000024779
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	726 N 13TH ST, WACO, TX 76707-3628
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005917
Date	Feb 14, 2022
Instrument	2022005917

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	726 N 13TH ST, WACO, TX 76707-3628
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010203
Date	Apr 2, 2018
Instrument	2018010203

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Address	WACO, TX 76703

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Apr 19, 2018
Property Address	726 N 13TH ST, WACO, TX 76707-3628
Document Number	0000012568
Instrument Date	Apr 18, 2018
Instrument	12568
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 N 13TH ST WACO TX 767073628, WACO, TX 76707-3628

Mortgage

Document Number	12569
Date	Apr 19, 2018
Instrument	12569

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 18, 2038

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		$275,987 (+4.61%) Land $27,983 Building $248,004	$275,987 (+4.61%) Land $27,983 Building $248,004
2025	$5,931.00 (+267.02%)	$263,820 (+67.24%) Land $25,400 Building $238,420	$263,820 (+67.24%) Land $25,400 Building $238,420
2024	$1,616.00 (+29.9%)
2023		$157,750 Land $25,400 Building $132,350	$157,750 Land $25,400 Building $132,350
2022	$1,244.00

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
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% 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 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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