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Financing available

$177,000

2816 S 3rd Street, Waco, TX 76706

3
beds
1
baths
888
sqft

Est. with seller financing: $1,696/mo

  • Single-family
  • Built in 1980
  • 8,146 sq ft lot
  • $199/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

2816 S Third St. in Waco has all the charm of a farmhouse with the convenience of being just blocks from Baylor and Hwy 6. Set back from the road with tons of parking, this home feels private, peaceful, and perfect for hosting, while still being close to shopping, restaurants, and entertainment. Inside, you’ll find updated finishes, a clean, open concept, and move-in ready layout, and a home that has been excellently maintained from top to bottom. Major updates include new windows and siding (2023), a new 200 amp electrical service and updated fixtures and washer-dryer (2024), reinforced front foundation with 4 new piers (2024), a remodeled bathroom (2024), and a brand new HVAC system (2025). The backyard is set up perfectly for entertaining with a newly built patio and storage area and plenty of space to enjoy under the mature trees. There’s also room to add a second bathroom if desired, making this a great option for future value and flexibility. Whether you’re looking for your next home, an investment property, or a place to stay when visiting baylor that has character and updates already done, this home is ready for you to move right in and make your own!

Facts & features

Interior

Features

  • Decorative Designer Lighting Fixtures
  • Open Floorplan

Heating & cooling

  • Heating: Central, Natural Gas
  • Cooling: Central Air, Electric

Flooring

  • Tile
  • Vinyl

Appliances

  • Dryer
  • Gas Oven
  • Gas Range
  • Gas Water Heater
  • Refrigerator
  • Tankless Water Heater
  • Washer

Laundry

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

Exterior & lot

Construction

  • Style: Ranch, Detached
  • Stories: 1
  • Roof: Composition
  • Foundation: Pillar Post Pier

Parking

  • Additional Parking
  • Driveway
  • No Garage
  • On Site
  • Paved
  • Parking Pad
  • Storage

Community

Neighborhood

  • Subdivision: Gurley D R Tr

Schools

  • District: Waco ISD
  • Elementary: South Waco
  • Middle: Cesar Chavez
  • High: University

Financial & listing details

Listing

  • Price per sq ft: $199
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,696/mo

Principal & interest
$1,282/mo
Property taxes
$331/mo
Homeowners insurance (est.)
$83/mo
Loan amount
$159,300
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

Willow West

NextHome Our Town

254-855-9500

MLS #
21275232

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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