1 / 23

Financing available

$228,900

3709 N 22nd Street, Waco, TX 76708

3
beds: 2
baths: 1,900
sqft

Est. with seller financing: $2,113/mo

Single-family
Built in 1949
16,509 sq ft lot
$120/sqft
McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

Powered byDoorly

About this home

Welcome to this beautifully renovated 4-bedroom, 2-bath home in Waco! Offering a fresh, updated feel with plenty of room to spread out, this home combines comfort, functionality, and convenience. The spacious layout provides flexibility for everyday living, entertaining, or creating the perfect home office. Step outside and enjoy the HUGE backyard, offering endless possibilities for outdoor gatherings, pets, gardening, or creating your own backyard retreat. Conveniently located just a short drive from downtown Waco, Baylor University, shopping, dining, entertainment, and popular local attractions, you’ll enjoy easy access to everything Waco has to offer while still having plenty of space to call your own. Whether you’re looking for your next home or an investment opportunity, this move-in-ready property is one you won’t want to miss. Schedule your showing today!

Facts & features

Interior

Features

Chandelier
Decorative Designer Lighting Fixtures
High Speed Internet

Heating & cooling

Heating: Electric
Cooling: Ceiling Fans, Electric

Flooring

Carpet
Ceramic Tile
Laminate

Laundry

Washer Hookup
Dryer Hookup
Laundry In Utility Room

Exterior & lot

Construction

Style: Detached
Stories: 1
Roof: Composition
Foundation: Slab
Materials: Wood Siding

Parking

Driveway

Community

Neighborhood

Subdivision: North Waco

Schools

District: Waco ISD
Elementary: Waco
Middle: GW Carver
High: Waco

Financial & listing details

Listing

Price per sq ft: $120
County: McLennan
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,113/mo

Down payment10% ($22,890)10%20%

Check Your Financing Options

Principal & interest: $1,658/mo
Property taxes: $348/mo
Homeowners insurance (est.): $107/mo

Loan amount: $206,010
Seller financing rate (est.): 9.00%
Term: 30-year fixed

Powered byDoorly

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

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

Powered byDoorly

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
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
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
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 Antoinette Ratliff, Texas Premier Realty · MLS #21406594 · 210-844-8683

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.