McLennan County property record for 9904 Ridings Dr, Waco, TX 76708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,958 sqft · built 2023 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Company Name on File |
| Tax Bill | $8,650 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-038328-000313-0 |
| Primary APN | 14-038328-000313-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,958 sqft Living Area |
| Gross Area | 2,398 sqft |
| 1st Floor Area | 1,958 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 9904 RIDINGS DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76708-4316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK II PH 2 LOT 13 BLOCK 3 ACRES 0.18 |
| Legal Subdivision | SADDLE CREEK II PH 2 |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 4104 |
9904 Ridings Dr is owned by a company that acquired it in October 2023.
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 | Company Name on File |
|---|---|
| Mailing Address | 798 WOLF CREEK RD, LORENA, TX 76655-3575 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2023 |
| Deed Sale | Oct 4, 2023 |
| Prior Sale | Oct 4, 2023 · Amount on File |
| Deed Document Number | 202331378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jun 18, 2026 |
| Property Address | 9904 RIDINGS DR, WACO, TX 76708-4316 |
| Document Number | 0000019424 |
| Instrument Date | May 15, 2026 |
| Instrument | 202619424 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 484 N KINGS GRANT DR, COLUMBIA, SC 29209-0839 |
| Document Number | 0000019424, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202619424 |
| Name | COMMUNITY BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 9904 Ridings Dr was $8,650.
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Waco City |
| Unified School District | Bosqueville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $371,911 (+5.3%) Land $58,022 Building $313,889 | $371,911 (+5.3%) Land $58,022 Building $313,889 | |
| 2025 | $8,650.00 | $353,180 Land $79,150 Building $274,030 | $353,180 Land $79,150 Building $274,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9904 Ridings Dr in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
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 risk around 9904 Ridings Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Fiber · Cable | 1,500 / 1,500 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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