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Welcome to this beautifully maintained 3-bedroom, 2-bath home nestled on a spacious corner lot in the sought-after Chimney Hill area of North Waco. From the moment you step through the welcoming entry, you’ll appreciate the warmth and character. The large living room features soaring vaulted ceilings, plush new carpeting, and a stunning two-sided fireplace that creates a cozy focal point while also opening into the kitchen for added charm and ambiance. The oversized kitchen offers abundant workspace and additional seating perfect for a breakfast nook or casual dining area. Entertaining is effortless with the spacious formal dining room ready for gatherings both large and small. New carpeting extends throughout the living room, hallways, and bedrooms, creating a fresh and comfortable feel throughout the home. The thoughtfully designed laundry room is conveniently located just off the rear-entry two-car garage and directly across from an oversized pantry storage closet, offering functionality and organization in everyday living. Outside, meticulous landscaping and a full irrigation system keep the property lush and inviting year-round. The rear-entry garage enhances both curb appeal and privacy, while the gorgeous fenced backyard provides the perfect retreat for morning coffee on the patio or relaxing evenings under the shade of mature trees. This unique property enjoys all the charm of the Chimney Hill neighborhood without the burden of HOA fees. Located in an established section of North Waco known for its towering trees and walkable streets, the home is just minutes from Lake Waco, as well as convenient shopping at Target and H-E-B, plus some of Waco’s best dining destinations. This is a rare opportunity to enjoy timeless character, modern comfort, and an unbeatable location all in one exceptional property. The seller is also offering a $10,000 concession to be used however the new home owner sees fit.

Highlights

  • Residential
  • Single Family Residence
  • Built in 1989
  • 0.26 Acre Lot
  • 2 Car Garage
  • Newly Listed

  • Bedrooms
    3
  • Bathrooms
    2
  • Year Built
    1989
  • Foundation
    Slab
  • Garage Spaces
    2.0
  • Parking Features
    Driveway, Attached, Garage Door Opener, Garage, Concrete, Covered, On Street, Garage Faces Rear, Common, Additional Parking, Enclosed, Inside Entrance, Kitchen Level, Direct Access
  • Living Area
    2389.0
  • Interior Features
    High Speed Internet, Cathedral Ceiling(s), Walk-In Closet(s), Vaulted Ceiling(s), Pantry, Kitchen Island, Double Vanity, Built-in Features, Chandelier, Natural Woodwork
  • Appliances
    Dishwasher, Electric Water Heater, Refrigerator, Disposal, Electric Oven, Electric Cooktop, Vented Exhaust Fan
  • Flooring
    Carpet, Ceramic Tile, Wood
  • Exterior Features
    Garden, Uncovered Courtyard
  • Security Features
    Smoke Detector(s)
  • Cooling
    Ceiling Fan(s), Central Air, Electric
  • Heating
    Fireplace(s), Central, Exhaust Fan

  • Acres
    0.26
  • Lot Features
    Level, Cul-De-Sac, Corner Lot, Landscaped
  • Utilities
    Cable Available, Sewer Available, Electricity Available, Natural Gas Available, Electricity Connected
  • Water
    Public

  • County
    McLennan
  • City
    Waco
  • Neighborhood
    Chimney Hill
  • Zip Code
    76708
  • High School
    Waco
  • Middle School
    Tennyson
  • Elementary School
    Cedar Ridge

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Frequently Asked Questions

How do I schedule a tour of 3400 Hearthwood Cir?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 3400 Hearthwood Cir.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 3400 Hearthwood Cir?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $359,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Waco, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 3400 Hearthwood Cir?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 3400 Hearthwood Cir at around $2,753. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 3400 Hearthwood Cir?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in McLennan County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 3400 Hearthwood Cir?

In most cases, yes. Whether 3400 Hearthwood Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Waco's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 3400 Hearthwood Cir?

We can handle that for you. Our preferred local agent specializes in residentials in Waco and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $359,000 with 2,389 sqft of space—that comes out to approximately $150 per square foot.

How long has this property been on the market?

3400 Hearthwood Cir was listed on November 11, 2026, which means it's been on the market for 0 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1989, making it approximately 37 years old.

What is the lot size of this property?

3400 Hearthwood Cir sits on a 0.26-acre lot, which is 11,326 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Cedar Ridge
  • Middle: Tennyson
  • High: Waco

Want to see how these schools compare? Check out our McLennan County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 3400 Hearthwood Cir?

The most recent public record shows annual property taxes for 3400 Hearthwood Cir were approximately $8,526. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 3400 Hearthwood Cir still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. Copyright 2026, North Texas Real Estate Information Systems (NTREIS). All rights reserved.

Last Updated: November 11, 2026 at 08:04PM | Source: North Texas Real Estate Information Systems (NTREIS) | MLS#: 21433971