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Days26Days on Market
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$399,900

$415,000

3400 Hearthwood Circle, Waco, TX, 76708

On MarketInfo
Price DropInfo
Beds3 Beds
Baths3 Bath
Baths2,389 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$167.39 / sqft
Year BuiltBuilt in 1989

Property Lead Type:

Absentee OwnerHigh Equity

Highlights

Interior

Bedrooms 3Bedrooms 3
Bathrooms Full 2Bathrooms Full 2
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
HeatingHeating
CoolingCooling
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Refrigerator, Vented Exhaust Fan
FlooringCarpet, Ceramic Tile, Wood

Exterior

Exterior FeaturesUncovered Courtyard, Garden
Lot Size11,313 sqft

Building Information

Year Built1989
Stories1
Roof Type105
Garage Spaces2

Land Information

APN480090040140024
Lot Number11
SubdivisionChimney Hill
Land UseResidential
Legal DescriptionCHIMNEY HILL LOT 11 BLOCK 7 ACRES .2597
Census Tract002800
Assessed Land Value$47,860
Assessed Improvement Value$331,340
Assessment Year2025

About this property

Welcome to this beautifully maintained 3-bedroom, 2-bath home nestled on a spacious corner lot in the sought-after Chimney Hill area of North Waco. From the moment you step through the welcoming entry, you’ll appreciate the warmth and character created by the parquet flooring that flows through the entry, formal dining room, and expansive kitchen. The large living room features soaring vaulted ceilings, plush new carpeting, and a stunning two-sided fireplace that creates a cozy focal point while also opening into the kitchen for added charm and ambiance. The oversized kitchen offers abundant workspace and additional seating perfect for a breakfast nook or casual dining area. Entertaining is effortless with the spacious formal dining room ready for gatherings both large and small. New carpeting extends throughout the living room, hallways, and bedrooms, creating a fresh and comfortable feel throughout the home. The thoughtfully designed laundry room is conveniently located just off the rear-entry two-car garage and directly across from an oversized pantry storage closet, offering functionality and organization in everyday living. Outside, meticulous landscaping and a full irrigation system keep the property lush and inviting year-round. The rear-entry garage enhances both curb appeal and privacy, while the gorgeous fenced backyard provides the perfect retreat for morning coffee on the patio or relaxing evenings under the shade of mature trees. This unique property enjoys all the charm of the Chimney Hill neighborhood without the burden of HOA fees. Located in an established section of North Waco known for its towering trees and walkable streets, the home is just minutes from Lake Waco, as well as convenient shopping at Target and H-E-B, plus some of Waco’s best dining destinations. This is a rare opportunity to enjoy timeless character, modern comfort, and an unbeatable location all in one exceptional property.

Investor Tools

$235,745Estimated Mortgage Balance
$175,255Estimated Equity
42% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$2,466 /month
Positive
Cash Flow Estimate:
$822 /month

Interested in this property?

Jonathan Grant

Camille Johnson

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$884/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$8,554
$379,200
2025
$47,860
$331,340
$379,200
No

Tax History

Year
Tax Paid
Assessed Value
2024
$8,554
$379,200

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Guaranty Bank & Trust
Conventional
$265,350
No
First
Sep 2, 2020
Oct 2050

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$235,745
$175,255
42%
57%
$1,591/mo

Rental Potential

Est. Monthly Rent
Est. Monthly Expenses
Est. Cash Flow
Gross Yield
$1,330/mo
$1,591/mo
$-261/mo
3.9%

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.

Explore Texas Explore This Area
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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3400 Hearthwood Circle | Property Details | No Agent List