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Financing available

$207,000

900 N 31st Street, Waco, TX 76707

3
beds
1.5
baths
2,071
sqft

Est. with seller financing: $1,891/mo

  • Single-family
  • Built in 1930
  • 7,492 sq ft lot
  • $100/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

This spacious 1930s cottage has off-the-charts charm from the second you drive up. The curb appeal of the corner lot speaks for itself with gorgeous original brick, a covered front patio, and fresh paint on all the trim. Inside, the original hardwoods steal the show, and natural light fills the space beautifully. Of course, a cottage like this wouldn't be complete without a fireplace — and this one is no exception. Downstairs, the primary bedroom offers an attached half bath, and in the other bedroom, a Murphy bed allows you to utilize the space to fit your needs. Built-in shelves add pockets of charm throughout, and behind the kitchen, there is a well-sized bonus room with laundry hookups tucked into the corner. Upstairs, you'll find a true retreat: a spacious room with a built-in bench, shelving, and a walk-in closet. Outside, gorgeous trumpet vines grow along the fence, and tucked away in the back, you'll find a garden area ready for your finishing touches, complete with blackberry bushes to offer a sweet treat. Over 2,000 square feet just minutes away from Pinewood Coffee, Natural Grocers, Harvest on 25th, and more — this one is a rare find. Charm, space, location, and character under $220k — what more could you ask for?

Facts & features

Interior

Features

  • Decorative Designer Lighting Fixtures
  • Eat In Kitchen
  • Pantry
  • Cable Tv
  • Walk In Closets

Heating & cooling

  • Heating: Central
  • Cooling: Central Air, Ceiling Fans, Electric, Window Units

Flooring

  • Carpet
  • Hardwood
  • Laminate
  • Tile

Appliances

  • Dryer
  • Dishwasher
  • Gas Range
  • Microwave
  • Washer

Fireplace

  • Fireplaces: 1
  • Living Room

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Garden

Construction

  • Style: Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Pillar Post Pier
  • Materials: Brick, Wood Siding

Parking

  • Driveway
  • No Garage
  • On Site

Lot

  • Corner Lot

Community

Neighborhood

  • Subdivision: Huaco Heights

Schools

  • District: Waco ISD
  • Elementary: Crestview
  • Middle: Tennyson
  • High: Waco

Financial & listing details

Listing

  • Price per sq ft: $100
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,891/mo

Principal & interest
$1,499/mo
Property taxes
$295/mo
Homeowners insurance (est.)
$97/mo
Loan amount
$186,300
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

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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 Taylor Beard, Fathom Realty · MLS #21261042 · 888-455-6040

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.

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