- 3
- beds
- 2
- baths
- 1,381
- sqft
- 2023
- year built
- Status:
- Active
- MLS #:
- 21389909
- Neighborhood:
- FRENCH QUARTER
- County:
- McLennan
- Listed By:
- Ginnie Harwood - Graceland Real Estate
- Agent Phone:
- (254) 717-0238
- Agent Email:
- ginnie@gracelandrealestate.com
Sponsoring Broker: Derek Eisenberg, Continental Real Estate Group, Inc
**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
- Residential
- Single Family Residence
- Built in 2023
- 0.33 Acre Lot
- 54 days on Market
-
- Bedrooms
- 3
-
- Bathrooms
- 2
-
- Year Built
- 2023
-
- Foundation
- Slab
-
- Parking Features
- Driveway, Paved, Concrete, Parking Pad, Additional Parking, Electric Vehicle Charging Station(s), Shared Driveway, Electric Gate, Gated
-
- Living Area
- 1381.0
-
- Interior Features
- Eat-in Kitchen, Walk-In Closet(s), Vaulted Ceiling(s), Kitchen Island, Built-in Features
-
- Appliances
- Dryer, Dishwasher, Electric Water Heater, Microwave, Refrigerator, Washer, Disposal, Convection Oven, Electric Oven, Electric Cooktop, Built-In Refrigerator
-
- Flooring
- Tile, Vinyl, Concrete
-
- Patio And Porch
- Covered, Patio, Front Porch, Rear Porch
-
- Cooling
- Central Air, Electric
-
- Heating
- Electric, Central
-
- Acres
- 0.33
-
- Utilities
- Cable Available, Electricity Available
-
- Water
- Public
-
- County
- McLennan
-
- City
- Waco
-
- Neighborhood
- FRENCH QUARTER
-
- Zip Code
- 76706
-
- High School
- University
-
- Middle School
- Cesar Chavez
-
- Elementary School
- South Waco
-
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Estimated Value
$320,800
Estimated Sales Price Range:
$301,552 - $340,048
Source: Constellation Data Labs
Price History
| 10/29/2026 | Price Changed | $419,900 |
| Source: North Texas Real Estate Information Systems (NTREIS) #21389909 | ||
| 09/17/2026 | Listed | $439,900 |
| Source: North Texas Real Estate Information Systems (NTREIS) #21389909 | ||
Source: MLS Data
Deed History
| 02/29/2024 | Warranty Deed | $0 |
| 09/30/2021 | Warranty Deed | $0 |
Source: Public records via Constellation Data Labs
Mortgage History
| 02/29/2024 | Purchase Money Mortgage | $341,030 |
Source: Public records via Constellation Data Labs
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There are currently 1016 properties available in Waco, with 23 under contract to close soon. Properties in the city have an average sale price of $315,978 and typically spend 89 days on the market before being sold.
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Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 3520 S 4?
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How do I get more information about 3520 S 4?
Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $419,900. 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 do I get a virtual tour of 3520 S 4?
Yes! A virtual tour is available for 3520 S 4. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.
How much is the monthly mortgage payment for 3520 S 4?
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 3520 S 4 at around $2,995. 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 3520 S 4?
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 3520 S 4?
In most cases, yes. Whether 3520 S 4 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 3520 S 4?
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 $419,900 with 1,381 sqft of space—that comes out to approximately $304 per square foot.
How long has this property been on the market?
3520 S 4 was listed on September 17, 2026, which means it's been on the market for 54 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 2023, making it approximately 3 years old.
What is the lot size of this property?
3520 S 4 sits on a 0.33-acre lot, which is 14,375 square feet.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: South Waco
- Middle: Cesar Chavez
- High: University
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 3520 S 4?
The most recent public record shows annual property taxes for 3520 S 4 were approximately $7,260. 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 3520 S 4 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 10, 2026 at 06:01AM | Source: North Texas Real Estate Information Systems (NTREIS) | MLS#: 21389909
