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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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3520 S 4th , Waco, TX 76706
$439,900
Est. Payment: $2,434.94/mo
3 Bed
2 Bath
1381 Sqft
0.33 Acres
Status: active | Days on site: 22
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A8295680 - A829590369,A829500972
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House Description

**CONTEMPORARY DESIGN NEAR BAYLOR!** Built in 2023, this distinctive Waco home combines bold architectural style, smart functionality, and flexible outdoor space just minutes from Baylor University and central Waco. The striking monochromatic exterior and standing-seam metal roof make an immediate impression, while the bright, open interior delivers a clean and modern aesthetic. The main level features open living and dining spaces flowing into a thoughtfully designed kitchen with quartz countertops, sleek maple cabinetry with finger-pull drawers, built-in refrigerator, induction cooktop, concealed pop-up outlets, under-sink water filtration, and a motorized window shade. Double sliding doors bring in abundant natural light and create an easy connection to the outdoors. The private primary suite is conveniently located downstairs with an en suite bath. Upstairs are two additional bedrooms, a spacious dual-sink bathroom, and a laundry room. Outside, an electric gate opens to a privacy-fenced backyard with additional off-street parking and an EV charger. Beyond the rear fence, additional land provides even more possibilities for expanded outdoor living or future improvements. The extra space may also offer potential to explore an accessory dwelling unit, guest quarters, or other permitted use, subject to applicable City of Waco requirements and approvals. Modern, distinctive, and anything but ordinary, this property offers a rare combination of newer construction, architectural character, flexible space, and convenient access to Baylor and the heart of Waco. **Come take a look!**

Highlights

Listed by Ginnie Harwood , and Patricia Meadows , Graceland Real Estate , North Texas Real Estate Information Systems

Property Type

Residential

Lot/Acreage
0.33

Year Built

2023

County

McLennan

Neighborhood

French Quarter

School District

Waco ISD

Listing ID

21389909

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Built-in Refrigerator, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Convection Oven, Washer, Water Filter, Irrigation Equipment
Air Cond:Central Air,Electric
Fireplaces:
Floor:Concrete,Luxury Vinyl Plank,Tile
Other:
  • ▪ Additional:Built-in Features, Decorative Lighting, Eat-in Kitchen, Kitchen Island, Vaulted Ceiling(s), Walk-In Closet(s), Master on Main

Exterior Features

Lot:Sprinkler System,Less Than .5 Acre (not Zero)
Roof:Metal
Others:
  • ▪ Additional:Preowned
Parking Features:Additional Parking,Concrete,Driveway,Electric Gate,Electric Vehicle Charging Station(s),Gated,Parking Pad,Paved,Shared Driveway
Principal Interest
$2,435
Taxes
$605

Home Price

$439,900

Loan Details

30 yrs
7.393%

Down Payment

20%
$87,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,434.94

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,434.94 $605.00 $0.00 $3,039.94
Yearly $29,219.31 $7,260.00 $0.00 $36,479.31
Total $876,579.37 $217,800.00 $0.00 $1,094,379.37

Today's Rates

30 Year

7.39%

20 Year

7.2%

15 Year

6.63%

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Market insight data is pulled from the same city as the listing being viewed (Waco, TX).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by North Texas Real Estate Information Systems Multiple Listing Service, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-10T20:06:31.543Z

© 2026 North Texas Real Estate Information Systems