726 N 16th St, Waco, TX 76707 Property Records

McLennan County property record for 726 N 16th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,472 sqft · built 1904
Lot Size	0.379 acres (16,500 sqft)
Owner	Individual Name on File
Last Sale	$421,610 (Sep 2025)
Tax Bill	$4,214 (2025)
Deeds & Mortgages	Jun 2026 Sale Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-001700-002400-0`

Property Details

APN / Parcel Number

Primary APN	`48-001700-002400-0`
Alternative APNs	`4800170000240000111` `162217`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	3,472 sqft Living Area
1st Floor Area	2,095 sqft
2nd Floor Area	1,377 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	16,500 sqft (0.379 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	448 sqft
Patio Area	264 sqft
Storage Building	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	726 N 16TH ST
City	WACO
State	TX
Zip	76707-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	BAKER J B LOT D4 E4 BLOCK 98 ACRES .3788
Legal Subdivision	BAKER J B
Legal Block	98
Legal Lot Number	D4
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	2
Census Block	2009
Census Tract	700

Owner

726 N 16th St is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	726 N 16TH ST, WACO, TX 76707-3519
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jun 8, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Deed Document Number	202528580
Record Updated	Oct 29, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 8, 2026
Property Address	726 N 16TH ST, WACO, TX 76707-3519
Document Number	0000018188
Instrument Date	Jun 5, 2026
Instrument	202618188
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	726 N 16TH ST, WACO, TX 76707-3519

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	726 N 16TH ST, WACO, TX 76707-3519
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8900 INDEPENDENCE PKWY 15206, 15206, PLANO, TX 75025-5273

Mortgage

Document Number	0000028581
Date	Sep 18, 2025
Instrument	2025028581

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 726 N 16th St was $4,214, down 18.3% 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		$253,206 (+12.85%)	$300,000 (+33.71%) Land $56,430 Building $243,570
2025	$4,214.00 (-18.35%)	$224,370 Land $51,150 Building $173,220	$224,370 Land $51,150 Building $173,220
2024	$5,161.00
2023		$228,812 Land $51,150 Building $177,662	$228,812 Land $51,150 Building $177,662
2022	$5,129.00

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

Flood

FEMA maps place 726 N 16th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 726 N 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 500 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
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Central Link Broadband.

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