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Financing available

$694,000

174 Ross Road Spur, Waco, TX 76705

4
beds
3
baths
3,053
sqft

Est. with seller financing: $5,641/mo

  • Single-family
  • Built in 2016
  • 223,027 sq ft lot
  • $227/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

NO CITY TAXES!! An incredible opportunity for Waco-area convenience paired with a true country lifestyle. Roughly 20 minutes from Baylor University, Magnolia, and downtown Waco, this 5+ acre property blends historic charm, quaint ranchette living, and contemporary log-style craftsmanship. Consider the possibilities: Private hobby farm, VRBO, or simply your family's next reunion headquarters. You'll have a hard time choosing which part of the house to entertain (or unwind) in. An elevated porch fronts the farmhouse, overlooking the scenic countryside. Upon entry, original hardwood floors stretch across the sun-soaked sitting room– a rare, well-kept piece of the home's history. Cross into the annexed wing, a showpiece of craftsmanship: dramatically vaulted knotted-pine ceilings and a staircase climbing to a carpeted loft, large enough for an extra bedroom. A breathtaking floor-to-ceiling stone fireplace anchors the “Great Room”. To round out the interior conveniences: An office overlooking the outdoor oasis (with its own exterior entrance)— and a utility, mudroom with ample built-ins. French doors off the Great Room open to a covered back patio, the perfect spot to take in the land or soak in the jacuzzi as the sun sets. Summer days belong to the in-ground pool, complete with a water feature, tanning ledge, and multi-colored ambient lights. Retire to a hammock under the pavilion to watch the Texas moon rise as the string lights flicker on. A climate-controlled detached pool house with a full bath adds real flexibility — private guest quarters or rentable space. The 24x40 insulated workshop (roll-up overhead, loading pad) is ideal for a functional man-cave. FARM BONUSES: chicken coop, greenhouse area, separate storage shed, a 1,200+SF BARN (electricity, water, pens), and an active BEEHIVE BOX. No city taxes, exceptional road frontage, acreage to build. See virtual tour on Zillow. Schedule your private showing!

Facts & features

Interior

Features

  • Built In Features
  • Cathedral Ceilings
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • High Speed Internet
  • In Law Floorplan
  • Loft
  • Vaulted Ceilings
  • Natural Woodwork
  • Walk In Closets

Heating & cooling

  • Heating: Central, Electric, Fireplaces
  • Cooling: Central Air, Ceiling Fans, Electric, Multi Units

Flooring

  • Carpet
  • Concrete
  • Hardwood

Appliances

  • Dishwasher
  • Electric Range
  • Electric Water Heater
  • Microwave
  • Refrigerator

Fireplace

  • Fireplaces: 1
  • Circulating
  • Insert
  • Family Room
  • Living Room
  • Raised Hearth
  • Stone
  • Wood Burning

Laundry

  • Common Area
  • Washer Hookup
  • Dryer Hookup
  • Electric Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Lighting
  • Private Entrance
  • Private Yard
  • Rain Gutters

Construction

  • Style: Craftsman, Modern, Ranch, Traditional, Detached, Farmhouse
  • Stories: 1
  • Roof: Metal
  • Foundation: Pillar Post Pier, Slab
  • Materials: Cedar, Rock, Stone, Wood Siding

Parking

  • Additional Parking
  • Boat
  • Electric Gate
  • Golf Cart Garage
  • Gravel
  • Kitchen Level
  • On Site
  • Open
  • Outside
  • Oversized
  • Private
  • Rv Access Parking
  • Secured
  • Unpaved

Pool

  • Fenced
  • Gunite
  • In Ground
  • Outdoor Pool
  • Pool
  • Private
  • Pool Sweep
  • Water Feature

Lot

  • Acreage
  • Back Yard
  • Hardwood Trees
  • Lawn

Community

Neighborhood

  • Subdivision: Webb J

Schools

  • District: West ISD
  • Elementary: West
  • Middle: West
  • High: West

Financial & listing details

Listing

  • Price per sq ft: $227
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,641/mo

Principal & interest
$5,026/mo
Property taxes
$291/mo
Homeowners insurance (est.)
$324/mo
Loan amount
$624,600
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.

Location

Your next home may have more than one path to ownership.

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Finding the right home is half the equation. Financing that works for your situation is the other half. This home may be eligible for our seller financing, also called owner financing, an option for buyers a traditional mortgage hasn't worked for.

It may be worth a look if you:

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. All financing is subject to underwriting, eligibility, program guidelines, and approval.

Check Your Financing Options

How our financing program works

  1. 1

    Get qualified

    Answer a few quick questions and see the down payment you'd need. It takes about a minute and doesn't pull your credit.

  2. 2

    Make it your home

    Once you're approved, our lending partner buys the home from the seller at closing. The seller is paid in full and never carries a loan.

  3. 3

    Own it

    It resells the home to you at the same closing, with financing, so the title is in your name.

This is different from traditional seller financing, where the seller lends you the money. See the full requirements

Listing courtesy of Erin Bogar, eXp Realty LLC · MLS #21345134 · 888-519-7431

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. MLS status: Active (available for sale). Information is deemed reliable but not guaranteed and should be independently verified. NTREIS data is for viewing on this site only and may not be reproduced or redistributed. Last updated Oct 9, 2026.

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