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Financing available

$189,900

916 N 31st Street, Waco, TX 76707

2
beds
1
baths
980
sqft

Est. with seller financing: $1,684/mo

  • Single-family
  • Built in 1940
  • 7,501 sq ft lot
  • $194/sqft
  • McLennan County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

FULLY RENOVATED WITH CHARACTER TO SPARE! Welcome to 916 N 31st Street, a stylish 2-bedroom, 1-bath Waco home where vintage-inspired details meet extensive modern updates. Offering approximately 980 square feet, a separate dining area, and an attached one-car garage, this move-in-ready home makes a memorable first impression. Inside, warm wood-plank ceilings, exposed beams, crisp white shiplap walls, and updated flooring give the home a distinctive look and feel. The inviting living room centers around a wood-burning fireplace with a wood-accent surround, while a charming arched opening connects the living and dining spaces. The renovated kitchen blends clean finishes with natural warmth, featuring white cabinetry, solid-surface countertops, open wood shelving, a butcher-block-topped peninsula, gas range with custom vent hood, and updated appliances. The refreshed bathroom offers a double-sink vanity, tub and shower combination, black fixtures, and classic black-and-white tile. Improvements include a newer roof, updated windows, mini-split heating and cooling, tankless electric water heater, and refreshed landscaping. Outdoors, enjoy a fenced yard, welcoming front porch, extended back porch, and a creek along the rear of the property with no immediate neighbor directly behind. Charming, updated, and anything but cookie-cutter, this thoughtfully renovated Waco home delivers standout style and functionality in a manageable footprint. Come see it for yourself!

Facts & features

Interior

Features

  • Cedar Closets
  • Decorative Designer Lighting Fixtures
  • Double Vanity

Heating & cooling

  • Heating: Electric
  • Cooling: Ceiling Fans, Electric

Flooring

  • Ceramic Tile
  • Luxury Vinyl Plank
  • Tile

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Gas Range
  • Plumbed For Gas
  • Tankless Water Heater
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 1
  • Gas
  • Living Room
  • Wood Burning

Laundry

  • Washer Hookup
  • Electric Dryer Hookup
  • In Garage

Exterior & lot

Construction

  • Style: Detached
  • Stories: 1
  • Roof: Asphalt
  • Foundation: Pillar Post Pier
  • Materials: Brick, Metal Siding

Parking

  • Garage spaces: 1
  • Concrete
  • Covered
  • Door Single
  • Driveway
  • Garage Faces Front
  • Garage

Lot

  • Subdivision

Community

Neighborhood

  • Subdivision: Huaco Heights

Schools

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

Financial & listing details

Listing

  • Price per sq ft: $194
  • County: McLennan
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,684/mo

Principal & interest
$1,375/mo
Property taxes
$220/mo
Homeowners insurance (est.)
$89/mo
Loan amount
$170,910
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.

Location

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

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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. 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. 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. 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 Ginnie Harwood, Graceland Real Estate · MLS #21364696 · 254-772-7788

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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