McLennan County property record for 9905 Ridings Dr, Waco, TX 76708
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $371,393 (Jan 2026) |
| Tax Bill | $1,471 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-038328-000405-0 |
| Primary APN | 14-038328-000405-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,601 sqft Living Area |
| Gross Area | 3,197 sqft |
| 1st Floor Area | 1,411 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Brick Veneer |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 596 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 9905 RIDINGS DR |
|---|---|
| City | WACO |
| State | TX |
| Zip | 76708-4312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK II PH 2 LOT 5 BLOCK 4 ACRES 0.22 |
| Legal Subdivision | SADDLE CREEK II PH 2 |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WACO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 4104 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9905 RIDINGS DR, WACO, TX 76708-4312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Jan 17, 2025 |
| Deed Document Number | 20261016 |
| Prior Transfer Date | Nov 21, 2024 |
| Prior Transfer Doc | 0000001496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Jan 12, 2026 |
| Property Address | 9905 RIDINGS DR, WACO, TX 76708-4312 |
| Document Number | 0000001016 |
| Map Reference | DOC 2023007299 |
| Instrument Date | Jan 9, 2026 |
| Instrument | 2026001016 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 19, 2026 |
| Title Company | DHI TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9905 RIDINGS DR, WACO, TX 76708-4312 |
| Document Number | 0000001017 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 2026001017 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
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 | $460,786 (+666.95%) Land $65,932 Building $394,854 | $460,786 (+666.95%) Land $65,932 Building $394,854 | |
| 2025 | $1,471.00 (+34.34%) | $60,080 Land $60,080 | $60,080 Land $60,080 |
| 2024 | $1,095.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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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