820 N 43rd St, Waco, TX 76710 Property Records

McLennan County property record for 820 N 43rd St, Waco, TX 76710

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,614 sqft · built 1955
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$191,300 (Jun 2018)
Tax Bill	$4,009 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-038200-016400-9`

Property Details

APN / Parcel Number

Primary APN	`48-038200-016400-9`
Alternative APNs	`4803820001640090111` `190435`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	1,614 sqft
Flooring	Carpet

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1970
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	144 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Driveway	Asphalt Driveway
Driveway Area	1,360 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	820 N 43RD ST
City	WACO
State	TX
Zip	76710-4966
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SOUTH OVERLOOK LOT 5 BLOCK N ACRES .2479
Legal Subdivision	SOUTH OVERLOOK
Legal Block	N
Legal Lot Number	5
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3013
Census Tract	2498

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	820 N 43RD ST, WACO, TX 76710-4966
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2018 · Amount on Record
Deed Sale	Jun 18, 2018 · Amount on Record
Prior Sale	Mar 18, 2015 · Amount on Record
Deed Document Number	201820106
Prior Transfer Date	Mar 12, 2015
Prior Transfer Doc	0000007946
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	820 N 43RD ST, WACO, TX 76710-4966
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	FIDELITY NATIONAL TITLEI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020107
Date	Jun 18, 2018
Instrument	2018020107

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	820 N 43RD ST, WACO, TX 76710-4966
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002110
Date	Jan 21, 2020
Instrument	2020002110

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$254,198 (-4.8%) Land $27,756 Building $226,442	$254,198 (-5.68%) Land $27,756 Building $226,442
2025	$4,009.00 (+3.99%) Homeowner's exemption	$267,026 (+2.6%) Land $25,270 Building $244,240	$269,510 (+3.56%) Land $25,270 Building $244,240
2024	$3,855.00 (+13.88%)
2023		$260,250 Land $25,270 Building $234,980	$260,250 Land $25,270 Building $234,980
2022	$3,385.00

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 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1990 · 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 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 572 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	1,500 / 50
Spectrum Cable	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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