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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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3904 James Ave , Waco, TX 76711
$204,800
Est. Payment: $1,054.40/mo
4 Bed
2 Bath
1585 Sqft
Status: active | Days on site: 91
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Priced over $30,000 below 2026 appraisal completed by licensed appraiser. Updated and move-in ready, this spacious 4-bedroom, 2-bath home offers a functional layout, stylish updates, and a location that’s hard to beat — conveniently situated near parks, schools, shopping, and quick access to I-35. Positioned right next to a park, the property enjoys added green space and a peaceful setting rarely found in such a central Waco location. Inside, the open-concept design creates comfortable everyday living and effortless entertaining. The spacious kitchen features granite countertops, abundant cabinetry, an eat-at breakfast bar, and seamless flow into the dining and main living areas. A unique step-down living room adds character and extra space to gather, complete with double doors leading to the backyard, while an additional exterior door off the kitchen offers convenient outdoor access. Additional features include granite countertops continuing throughout both bathrooms for a cohesive updated feel, new carpet in the bedrooms, and ceiling fans for added comfort. Whether you're looking for flexible living space, room to spread out, or a convenient Waco location close to everything, this home checks all the boxes. Appraised June 2026 by licensed appraiser at $235,000. Priced below appraisal.

Highlights

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

Property Type

Residential

Lot/Acreage
0.18

Year Built

1953

County

McLennan

Neighborhood

Shelby

School District

Waco ISD

Listing ID

21280482

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Electric Range, Electric Water Heater, Microwave
Air Cond:Ceiling Fan(s),Central Air,Electric
Fireplaces:
Floor:Carpet,Luxury Vinyl Plank,Tile
Other:
  • Additional:Granite Counters, Open Floorplan, Master on Main

Exterior Features

Lot:Cleared,Subdivision,Less Than .5 Acre (not Zero)
Roof:Composition
Others:
  • Additional:Preowned
Parking Features:Driveway
Principal Interest
$1,054
Taxes
$324

Home Price

$204,800

Loan Details

30 yrs
6.674%

Down Payment

20%
$40,960
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:
$1,054.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,054.40 $324.08 $0.00 $1,378.48
Yearly $12,652.79 $3,889.00 $0.00 $16,541.79
Total $379,583.76 $116,670.00 $0.00 $496,253.76

Today's Rates

30 Year

6.67%

20 Year

6.37%

15 Year

5.93%

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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: 2026-08-24T21:21:41.390Z

© 2026 North Texas Real Estate Information Systems