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Financing available

$829,000

146 Shady Trail, Waco, TX 76657

4
beds
3
baths
3,914
sqft

Est. with seller financing: $7,641/mo

  • Single-family
  • Built in 1998
  • 22,311 sq ft lot
  • $212/sqft
  • $8/mo HOA
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to 146 Shady Trl, an exceptional residence nestled in the sought after Stone Creek Ranch subdivision. Offering 4 bedrooms, this home combines timeless elegance, spacious interiors, and exceptional comfort. The main level offers an impressive winding staircase, and opens up to a formal dining room, elegant sitting room or office, and a large living room with built in cabinets gorgeous fireplace with gas logs. The luxurious isolated primary bedroom suite and bath feature dual vanities, a separate spa tub, walk in shower, and two oversized walk in closets. The gourmet -inspired kitchen features an oversized island, granite countertops, abundant cabinetry, and lots of counter space. The beautiful breakfast room provides a space for casual dining while the open concept design allows the kitchen to flow effortlessly into the expansive living room. Upstairs, three generously sized bedrooms are complimented by a Jack and Jill bath and a large media room or family room, creating a private retreat for family and guests. Outside the expansive yard is framed by beautiful mature oak trees, offering shade, privacy, and a serene setting for outdoor enjoyment. the three car garage adds both convenience and generous storage. So many windows throughout provide such a beautiful view of all the outdoors and provide so much light. Some quality updates include newly installed carpeting and upscale wallpapers. This is a must see!!

Facts & features

Interior

Features

  • Built In Features
  • Granite Counters
  • Kitchen Island
  • Multiple Staircases
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Walk In Closets

Heating & cooling

  • Heating: Central, Electric
  • Cooling: Central Air, Ceiling Fans, Electric

Flooring

  • Carpet
  • Ceramic Tile
  • Tile
  • Vinyl
  • Wood

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Electric Water Heater
  • Disposal
  • Microwave
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 1
  • Living Room
  • Wood Burning

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Slab
  • Materials: Brick

Parking

  • Garage spaces: 3
  • Garage
  • Garage Door Opener
  • Inside Entrance
  • Kitchen Level
  • Garage Faces Side

Lot

  • Back Yard
  • Hardwood Trees
  • Lawn
  • Landscaped
  • Many Trees

Community

Neighborhood

  • Subdivision: Stone Creek Ranch

Schools

  • District: Midway ISD
  • Elementary: South Bosque
  • Middle: River Valley
  • High: Midway

Financial & listing details

Listing

  • Price per sq ft: $212
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$7,641/mo

Principal & interest
$6,003/mo
Property taxes
$1,243/mo
Homeowners insurance (est.)
$387/mo
HOA dues
$8/mo
Loan amount
$746,100
Seller financing rate (est.)
9.00%
Term
30-year fixed
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This estimate uses our seller financing program's rate. Taxes are from listing data and insurance is estimated. Your actual payment may be higher. Estimate only. Your final rate, payment, and terms are based on approval. This is not a commitment to lend.

How buying this home works

  1. 1

    Get qualified

    We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.

  2. 2

    Pick this home

    Once you're approved, tell us this is the one. We handle the purchase from the seller.

  3. 3

    Move in

    We resell the home to you at closing, so the title is in your name. Then make one fixed monthly payment, no bank required.

Location

Listing information

Listing courtesy of

Sue Milam Reed

Kelly, Realtors

254-741-1500

MLS #
21388541

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. Information is deemed reliable but not guaranteed and should be independently verified. Last updated Oct 9, 2026.

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Seller financing for this home is available to qualified buyers from HFP, powered by Doorly, only on this site. The seller and listing agent are not affiliated with HFP and cannot offer this program directly.

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