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

McLennan County property record for 903 N 13th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 4,578 sqft · built 1930
Lot Size	0.293 acres (12,750 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (May 2014)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-034800-012600-8`

Property Details

APN / Parcel Number

Primary APN	`48-034800-012600-8`
Alternative APNs	`4803480001260080111` `187362`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,578 sqft Living Area
Gross Area	4,960 sqft
1st Floor Area	2,349 sqft
2nd Floor Area	2,229 sqft
Flooring	Wood

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	150 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	625 sqft
Porch	Enclosed Porch
Porch Area	1,111 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Space Heater

Location & Zoning

Street Address	903 N 13TH ST
City	WACO
State	TX
Zip	76707-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O2
Legal Description	REYNOLDS LOT 19B 20 BLOCK 238 ACRES .2927
Legal Subdivision	REYNOLDS
Legal Block	238
Legal Lot Number	19B
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1020
Census Tract	1200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	903 N 13TH ST, WACO, TX 76707-3631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LC
Nov 18, 2019	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 28, 2018	Deed of Trust, Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2014 · Amount on Record
Deed Sale	May 20, 2014 · Amount on Record
Prior Sale	Mar 31, 2006 · Amount on Record
Deed Document Number	201414321
Prior Transfer Date	Mar 24, 2006
Prior Transfer Doc	0000010431
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	903 N 13TH ST, WACO, TX 76707-3631
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	TEXAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028646
Date	Aug 18, 2020
Instrument	2020028646

Lender

Name	CROSSCOUNTRY MORTGAGE LC
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	903 N 13TH ST, WACO, TX 76707-3631
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038329
Date	Nov 18, 2019
Instrument	2019038329

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	903 N 13TH ST, WACO, TX 76707-3631
Document Number	0000038742
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 N 13TH ST WACO TX 767073631, WACO, TX 76707-3631

Mortgage

Document Number	0000038742
Date	Nov 5, 2018
Instrument	38742

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	WACO, TX 76714-7894

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2033

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	Assessed Value	Assessed Market Value
2026	$301,670 (+21.04%)	$420,805 (+5.47%) Land $31,365 Building $389,440
2025	$249,235 (-38.97%)	$398,990 (-2.3%) Land $28,560 Building $370,430
2023	$408,390 Land $28,560 Building $379,830	$408,390 Land $28,560 Building $379,830

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 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 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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