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Financing available

$198,500

3801 James Avenue, Waco, TX 76711

3
beds: 1
baths: 1,014
sqft

Est. with seller financing: $1,813/mo

Single-family
Built in 1954
7,501 sq ft lot
$196/sqft
McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Charming fully remodeled 3-bedroom, 1-bath home on a quiet corner lot at the end of a dead-end street. This move-in ready gem features a new HVAC system, new roof, hardwood floors throughout, stainless steel appliances, and natural gas cooking. It offers a 1-car garage plus 1-car carport, an oversized backyard, lovely curb appeal with a covered front porch, and a relaxing back patio. Perfect for comfortable living in a peaceful neighborhood.

Facts & features

Interior

Features

Cable Tv

Heating & cooling

Heating: Central, Electric
Cooling: Central Air, Ceiling Fans, Electric

Flooring

Tile
Wood

Appliances

Some Gas Appliances
Dryer
Gas Range
Gas Water Heater
Microwave
Plumbed For Gas
Washer

Laundry

In Hall
Stacked

Exterior & lot

Construction

Style: Detached
Stories: 1
Roof: Composition
Foundation: Pillar Post Pier

Parking

Garage spaces: 1
Attached Carport
Covered
Carport
Garage
Garage Faces Rear

Community

Neighborhood

Subdivision: Shelby

Schools

District: Waco ISD
Elementary: Kendrick
Middle: Tennyson
High: University

Financial & listing details

Listing

Price per sq ft: $196
County: McLennan
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,813/mo

Down payment10% ($19,850)10%20%

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Principal & interest: $1,437/mo
Property taxes: $283/mo
Homeowners insurance (est.): $93/mo

Loan amount: $178,650
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
Get qualified
We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.
2
Pick this home
Once you're approved, tell us this is the one. We handle the purchase from the seller.
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

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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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Listing courtesy of Kadette Fossum, Bridge Realty · MLS #21294097 · 254-300-5017

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.