HFPHome Finance
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Financing available

$359,000

3400 Hearthwood Circle, Waco, TX 76708

3
beds
2
baths
2,389
sqft

Est. with seller financing: $3,479/mo

  • Single-family
  • Built in 1989
  • 11,326 sq ft lot
  • $150/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

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.

Facts & features

Interior

Features

  • Built In Features
  • Chandelier
  • Cathedral Ceilings
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • High Speed Internet
  • Kitchen Island
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Natural Woodwork
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile
  • Wood

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Electric Water Heater
  • Disposal
  • Plumbed For Gas
  • Refrigerator
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 1
  • Double Sided
  • Glass Doors
  • Kitchen
  • Living Room
  • Masonry
  • Wood Burning

Laundry

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

Exterior & lot

Features

  • Garden
  • Uncovered Courtyard

Construction

  • Style: Detached
  • Stories: 1
  • Roof: Asphalt, Composition, Shingle
  • Foundation: Slab

Parking

  • Garage spaces: 2
  • Additional Parking
  • Common
  • Concrete
  • Covered
  • Direct Access
  • Door Single
  • Driveway
  • Enclosed
  • Garage
  • Garage Door Opener
  • Inside Entrance
  • Kitchen Level
  • Garage Faces Rear
  • On Street

Lot

  • Back Yard
  • Corner Lot
  • Cul De Sac
  • Lawn
  • Landscaped
  • Level
  • Sprinkler System

Community

Neighborhood

  • Subdivision: Chimney Hill

Schools

  • District: Waco ISD
  • Elementary: Cedar Ridge
  • Middle: Tennyson
  • High: Waco

Financial & listing details

Listing

  • Price per sq ft: $150
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,479/mo

Principal & interest
$2,600/mo
Property taxes
$711/mo
Homeowners insurance (est.)
$168/mo
Loan amount
$323,100
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

Want to buy this home with seller financing?
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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.

See If You Qualify

Listing courtesy of Jonathan Grant, Camille Johnson · MLS #21277561 ·

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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