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Financing available

$278,000

3812 Orchard Lane, Waco, TX 76705

3
beds: 2.5
baths: 1,200
sqft

Est. with seller financing: $2,575/mo

Single-family
Built in 1948
17,250 sq ft lot
$232/sqft
McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to 3812 Orchard Ln, a delightful 3-bedroom, 2.5-bathroom home situated on a generous 0.40-acre lot! With 1,200 SqFt of cozy living space, this property offers comfort, functionality, and outdoor fun. Inside, you’ll find three spacious bedrooms perfect for rest and relaxation, along with two full baths and a half bath for added convenience. Outside, the large lot provides endless possibilities for entertaining, gardening, or enjoying outdoor activities. This property is perfect for first-time homebuyers, growing families, or anyone looking for an affordable home with fantastic outdoor amenities.

Facts & features

Interior

Features

Open Floorplan
Pantry

Heating & cooling

Heating: Central
Cooling: Central Air

Flooring

Vinyl

Appliances

Dishwasher
Gas Water Heater

Exterior & lot

Features

Rain Gutters

Construction

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

Parking

Garage spaces: 2
Driveway

Community

Neighborhood

Subdivision: Saint Isabel Court

Schools

District: La Vega ISD
Elementary: La Vega
Middle: La Vega
High: La Vega

Financial & listing details

Listing

Price per sq ft: $232
County: McLennan
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,575/mo

Down payment10% ($27,800)10%20%

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Principal & interest: $2,013/mo
Property taxes: $432/mo
Homeowners insurance (est.): $130/mo

Loan amount: $250,200
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

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

Powered byDoorly

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 Yazmin Garcia, Agents Of Texas, LLC · MLS #21353257 ·

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.