813 N 15th St, Waco, TX 76707 Property Records

McLennan County property record for 813 N 15th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,405 sqft · built 2007
Lot Size	0.16 acres (6,968 sqft)
Owner	Individual Name on File
Last Sale	$81,100 (Feb 2009)
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48-030300-020800-0`

Property Details

APN / Parcel Number

Primary APN	`48-030300-020800-0`
Alternative APN	`345721`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,405 sqft Living Area
1st Floor Area	1,405 sqft
Flooring	Carpet

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	6,968 sqft (0.16 acres)
Lot Dimensions	149 ft deep x 47 ft wide
Driveway	Concrete Driveway
Driveway Area	640 sqft
Porch	Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	813 N 15TH ST
City	WACO
State	TX
Zip	76707-3058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Description	MORROW JOHN LOT 9 BLOCK 132 ACRES .16
Legal Subdivision	MORROW JOHN
Legal Block	132
Legal Lot Number	9
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1028
Census Tract	1200

Owner

813 N 15th St is owned and occupied by an individual who bought it in February 2009.

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

Owner of Record	Individual Name on File
Mailing Address	813 N 15TH ST, WACO, TX 76707-3058
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

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Nov 20, 2023	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Aug 29, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 18, 2020	Loan Modification, Mortgage WELLS FARGO BK
Oct 11, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2009 · Amount on File
Deed Sale	Feb 26, 2009 · Amount on File
Prior Sale	Sep 28, 2007 · Amount on File
Deed Document Number	20095722
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Recording Date	Jul 23, 2026
Property Address	813 N 15TH ST, WACO, TX 76707-3058
Document Number	0000023476
Instrument Date	Jun 17, 2026
Instrument	202623476
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 N 15TH ST, WACO, TX 76707-3058

Mortgage

Document Number	0000023476,
Date	Jul 23, 2026
Instrument	202623476

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	813 N 15TH ST, WACO, TX 76707-3058
Transaction Type	Mortgage
Record Updated	Dec 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 N 5TH ST, WACO, TX 76707

Mortgage

Document Number	0000035697
Date	Nov 20, 2023
Instrument	2023035697

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	319 Months
Due	Jun 1, 2050

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	813 N 15TH ST, WACO, TX 76707-3058
Transaction Type	Mortgage
Record Updated	Sep 12, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 N 15TH ST, WACO, TX 76707-3058

Mortgage

Document Number	0000035007
Date	Aug 29, 2022
Instrument	2022035007

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	813 N 15TH ST, WACO, TX 76707-3058
Document Number	0000019348
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 N 15TH ST WACO TX 767073058, WACO, TX 76707-3058

Mortgage

Document Number	0000019348
Date	Jun 15, 2020
Instrument	19348

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

Interest

Rate	3.5%

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	813 N 15TH ST, WACO, TX 76707-3058
Document Number	0000035646
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 N 15TH ST WACO TX 767073058, WACO, TX 76707-3058

Mortgage

Document Number	0000035646
Date	Oct 27, 2017
Instrument	35646

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 813 N 15th St was $2,701 with a homeowner's exemption, up 0.4% 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		$201,502 (-0.6%) Land $23,132 Building $178,370	$201,502 (-0.6%) Land $23,132 Building $178,370
2025	$2,701.00 (+0.37%) Homeowner's exemption	$202,710 Land $20,970 Building $181,740	$202,710 Land $20,970 Building $181,740
2024	$2,691.00
2023		$211,680 Land $20,970 Building $190,710	$211,680 Land $20,970 Building $190,710
2022	$2,322.00

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

Flood

FEMA maps place 813 N 15th 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 813 N 15th 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 99.8% 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 540 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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

May also be available: Central Link Broadband.

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