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$570,000

NAL Estimated Property Value

114 Stone Creek Ranch Rd, Waco, TX, 76657

Off MarketInfo
Beds4 Beds
Baths3 Bath
Baths2,831 Sq Ft
price_per_sqft$193.92 / sqft
Year BuiltBuilt in 2003

Property Lead Type:

Off-Market ListAbsentee OwnerMove-In Ready

Highlights

Interior

Bedrooms 4Bedrooms 4
Bathrooms Full 3Bathrooms Full 3
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
HeatingHeating
CoolingCooling
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater
FlooringCarpet, Tile, Vinyl

Exterior

Exterior FeaturesRain Gutters, Garden
Lot Size27,443 sqft

Building Information

Year Built2003
Stories1
Roof Type105
Garage Spaces5

Land Information

APN360824000004010
Lot Number1
SubdivisionStone Creek Ranch
Land UseResidential
Legal DescriptionSTONE CREEK RANCH LOT 1 BLOCK 4 ACRES .63
Census Tract003901
Assessed Land Value$100,720
Assessed Improvement Value$469,280
Assessment Year2025

About this property

Welcome to Stone Creek Ranch – The Best Value in the Neighborhood! Step into this beautifully designed 4-bedroom, 3-bath home in the heart of Stone Creek Ranch, part of top-rated Midway ISD. Offering an unbeatable combination of space, comfort, and thoughtful upgrades, this home greets you with soaring ceilings, natural light, and a seamless, flowing layout that immediately feels like home. Off the entry, the formal living area features a warm fireplace, with the formal dining room just adjacent—ideal for hosting dinners or celebrations. This perfect layout allows you to enjoy the open-concept kitchen which includes modern finishes, crisp countertops, and a clean, elegant style without feeling exposed to the rest of the house. A sunny breakfast nook offers a cozy space for casual meals or morning coffee. Just beyond the kitchen, a more private second living area with built-in cabinetry creates the perfect setting for movie nights, game days, or quiet evenings in. The primary suite is tucked privately at the back of the home, overlooking the backyard. It features a spacious walk-in closet and a spa-like bath with soaking tub, separate shower, and dual vanities. Two front bedrooms share a full bath and offer flexibility for family, guests, or office space. A fourth bedroom, located near the second living room and the well-appointed laundry room with a third full bath freshly renovated, is perfect for guests, teens, or a home office. Enjoy outdoor living on the screened-in back porch, with a spacious backyard ideal for pets, gardening, or weekend BBQs. The rare 4-car garage setup—two singles and one double, each with its own door—offers incredible flexibility for vehicles, storage, or hobbies. A wide-stair walk-up attic provides easy and accessible storage rarely found in similar homes. This move-in ready home offers timeless design, privacy, flexible living spaces, and true functionality—an exceptional value in Stone Creek Ranch you won’t want to miss!

Investor Tools

Property Icon
$570,000
Estimated Property Value
$436,165Estimated Mortgage Balance
$133,835Estimated Equity
23% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$3,420 /month
Positive
Cash Flow Estimate:
$1,140 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$1,127/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$10,673
$570,000
2025
$100,720
$469,280
$570,000
No

Tax History

Year
Tax Paid
Assessed Value
2024
$10,673
$570,000

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
First National Bank Of Central Tx
Closed-End Mortgage / Closed-End With Future Advance Clause
$440,000
No
First
Nov 14, 2025
Nov 2055

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$436,165
$133,835
23%
77%
$2,639/mo

Rental Potential

Est. Monthly Rent
Est. Monthly Expenses
Est. Cash Flow
Gross Yield
$1,510/mo
$2,639/mo
$-1,129/mo
3.2%

Learn About the Market: Opportunity in Texas

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Explore

Texas

Living in Texas means access to four of the nation’s most dynamic metro economies — Dallas–Fort Worth’s corporate and logistics powerhouse, Houston’s global energy and medical hub, Austin’s tech-driven and culturally iconic Live Music Capital of the World, and San Antonio’s historic yet steadily expanding military and healthcare center. The state blends economic scale with cultural significance, rooted in independence, entrepreneurship, and a strong sense of place — from Friday night football to world-renowned barbecue and music festivals. For homebuyers, Texas offers comparatively attainable housing, no personal income tax, and master-planned communities built around space and convenience; for investors, continued population growth, business relocation, and diversified industries create sustained demand across urban cores, suburbs, and emerging secondary markets.

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Population Growth

Population Growth

~1.3% annually

Net Migration

Net Migration

Positive

Median Home Price

Median Home Price

$283,800

Unemployment Rate

Unemployment Rate

4.3%

Price Trend

Price Trend

Flat

New Permits

New Permits

158,121

City: Waco

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114 Stone Creek Ranch Rd | Property Details | No Agent List