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Financing available

$425,000

646 Winding Oaks, Waco, TX 76705

3
beds
2
baths
3,024
sqft

Est. with seller financing: $3,276/mo

  • Single-family
  • Built in 1986
  • 52,272 sq ft lot
  • $141/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Charming One-Story Home with Spacious Backyard in Waco, TX Discover a perfect blend of comfort and convenience in this delightful 3-bed, 2-bath home nestled in a serene Waco, Texas neighborhood. This classic one-story layout features a 2-car attached garage and offers an ideal setting for modern living. Step inside where open-concept design meets cozy comfort. The living spaces are beautifully laid out, with multiple gathering areas for relaxation and entertainment. The generous living room is bathed in natural light and flows seamlessly into a charming dining area. A well-appointed kitchen in the heart of the home offers ample cabinet space and modern appliances, making it a joy to prepare meals. The primary bedroom is a peaceful retreat, complete with an en-suite bathroom for added privacy and convenience. Two additional bedrooms provide flexibility for a home office or guest room. The second full bathroom is conveniently located for accessibility from the main living areas. Step outside to a private and spacious backyard, a true highlight of the property. Entertain guests, cultivate a garden, or just enjoy the tranquility of outdoor living. The possibilities are endless!

Facts & features

Interior

Features

  • Built In Features
  • Decorative Designer Lighting Fixtures
  • Eat In Kitchen
  • Open Floorplan
  • Paneling Wainscoting
  • Tile Counters
  • Cable Tv
  • Vaulted Ceilings
  • Natural Woodwork
  • Walk In Closets

Heating & cooling

  • Heating: Electric, Fireplaces
  • Cooling: Central Air, Electric, Window Units

Flooring

  • Carpet
  • Ceramic Tile
  • Simulated Wood

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Microwave
  • Refrigerator

Fireplace

  • Fireplaces: 2
  • Family Room
  • Living Room
  • Wood Burning

Laundry

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

Exterior & lot

Features

  • Storage

Construction

  • Style: Detached
  • Stories: 1
  • Roof: Shingle
  • Foundation: Slab

Parking

  • Garage spaces: 2
  • Attached Carport
  • Circular Driveway
  • Covered
  • Carport
  • Gated
  • Inside Entrance

Pool

  • Fenced
  • In Ground
  • Outdoor Pool
  • Pool
  • Pool Spa Combo

Lot

  • Acreage
  • Landscaped
  • Few Trees

Community

Neighborhood

  • Subdivision: Moore Lewis

Schools

  • District: Connally ISD
  • Elementary: Connally
  • Middle: Connally
  • High: Connally

Financial & listing details

Listing

  • Price per sq ft: $141
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,276/mo

Principal & interest
$3,078/mo
Property taxes
Not available
Homeowners insurance (est.)
$198/mo
Loan amount
$382,500
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 (not available for this home) 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

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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 Kandace Menning, Coldwell Banker Apex, REALTORS · MLS #21183030 ·

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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