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Financing available

$180,000

3600 Cumberland Avenue, Waco, TX 76707

3
beds
1
baths
1,032
sqft

Est. with seller financing: $1,623/mo

  • Single-family
  • Built in 1950
  • 8,712 sq ft lot
  • $174/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to 3600 Cumberland Avenue—the cutest cottage with the kind of warmth you feel the moment you arrive. This charming 3-bedroom, 1-bath home has been thoughtfully loved and improved by its current owners, and it shows in every detail. Inside, natural light pours through new energy-efficient windows, highlighting the comfortable living spaces, inviting kitchen, and cottage-inspired character throughout. The paid-off solar panels add meaningful energy savings with no additional solar loan to assume. Outside, the spacious fenced backyard offers plenty of room for gardening, pets, play, or relaxed evenings under the trees. A covered carport provides convenient parking along with additional storage for tools, lawn equipment, and everyday extras. More than just a house, this has been a true home—surrounded by neighbors who have become a close-knit community. The owners are genuinely sad to leave, but their care and pride of ownership have created a special place ready for its next chapter.

Facts & features

Interior

Features

  • High Speed Internet

Heating & cooling

  • Heating: Active Solar, Central
  • Cooling: Central Air, Ceiling Fans

Flooring

  • Luxury Vinyl Plank
  • Tile

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven

Laundry

  • Laundry In Utility Room

Exterior & lot

Features

  • Courtyard
  • Fire Pit
  • Garden

Construction

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

Parking

  • Additional Parking
  • Concrete
  • Detached Carport
  • Driveway

Lot

  • Cleared
  • Landscaped

Community

Neighborhood

  • Subdivision: Sweetbriar Gardens

Schools

  • District: Waco ISD
  • Elementary: Dean Highland
  • Middle: Cesar Chavez
  • High: Waco

Financial & listing details

Listing

  • Price per sq ft: $174
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,623/mo

Principal & interest
$1,303/mo
Property taxes
$236/mo
Homeowners insurance (est.)
$84/mo
Loan amount
$162,000
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 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

Julia Swank

NextHome Our Town

254-855-9500

MLS #
21341290

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.

Want to buy this home with seller financing?
We can help.

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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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