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Financing available

$450,000

1815 S 12TH Street, Waco, TX 76706

5
beds
2
baths
1,768
sqft

Est. with seller financing: $4,313/mo

  • Single-family
  • Built in 1922
  • 4,792 sq ft lot
  • $255/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Located in the heart of Baylor University, this charming property offers the perfect opportunity for students and investors alike. Enjoy the unbeatable proximity to campus while also being just minutes from downtown Waco’s vibrant dining, shopping, and entertainment scene. This welcoming home greets you with a spacious front porch that invites you to relax and stay awhile. Inside, a large open-concept living and dining area flows seamlessly into a generously sized kitchen, creating the perfect setting for gatherings. The modern country-style decor throughout the home delivers a warm, cozy atmosphere your guests will love. Offering four bedrooms plus an additional office (which could serve as a fifth bedroom), the home maximizes its rental or living potential. Two beautifully designed bathrooms provide plenty of space, featuring large custom-tiled, stand-alone showers. The oversized main bathroom also includes a dual vanity and a stunning claw foot tub for a touch of luxury. A side driveway offers ample parking, with additional space available in the backyard — ideal for creating an outdoor living area or expanding parking options. This property is full of potential — whether you're looking for a personal home, a smart investment for your Baylor student, or a profitable rental property in a prime location. Call and schedule your personal tour of this home today!!

Facts & features

Interior

Features

  • High Speed Internet
  • Pantry

Heating & cooling

  • Heating: Central
  • Cooling: Central Air

Flooring

  • Laminate

Appliances

  • Dishwasher
  • Electric Oven
  • Electric Range
  • Disposal
  • Ice Maker
  • Microwave
  • Refrigerator

Exterior & lot

Construction

  • Style: Detached
  • Stories: 1
  • Roof: Composition

Parking

  • Parking Pad

Community

Neighborhood

  • Subdivision: 0016.00S48

Schools

  • District: Waco ISD
  • Elementary: Bell's Hill
  • Middle: GW Carver
  • High: Waco

Financial & listing details

Listing

  • Price per sq ft: $255
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,313/mo

Principal & interest
$3,259/mo
Property taxes (est.)
$844/mo
Homeowners insurance (est.)
$210/mo
Loan amount
$405,000
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 estimated at 2.25% of the price because this listing has no full-year tax amount (common for new construction); actual taxes may differ 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

Love this home?Let's find a way to make it yours.

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A traditional mortgage isn't the only way to buy a home.

If you're self-employed, have a lower credit score, use an ITIN, or have been turned down for a mortgage, you may have another option.

Our financing program has different qualification guidelines for eligible buyers. Check your options before you rule out this home.

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 Cody Berry, Graceland Real Estate · MLS #21147515 · 254-772-7788

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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