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768 Elmwood Dr, Waco, TX, 76712

4beds
3baths
2,920sqft
$490,000
$168price/sqft
$3,827/moest. monthly cost
$153,080/yrincome needed

About This Home

Discover the perfect blend of space, comfort, and convenience with this stunning four-bedroom, three-bath home situated on over 2 ½ acres. Featuring a striking rock exterior and thoughtfully updated interior, this two-story residence offers timeless style with modern upgrades throughout. Inside, you’ll find an inviting layout designed for today’s lifestyle—generous living areas, a modernized kitchen, and spacious bedrooms ideal for both family living and entertaining. The property also includes a versatile workshop and a greenhouse, perfect for hobbyists, gardeners, or those seeking extra storage and work space. Set in a central location, this home provides the best of both worlds: privacy and room to spread out, yet just minutes from Midway ISD, shopping, and hospitals. Whether you’re raising a family, investing, or looking for a retreat with convenience, this property is an exceptional opportunity. Call me today to schedule your private showing and see how this home can meet your needs.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
8/10
8/10
Midway High SchoolGrades 9-128.1 mi

Construction

Condition

  • Year built: 1963

Materials

  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Disposal,Tankless Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Dimensions: 0 x 0

Features

  • Wet Bar,Granite Counters,In-Law Floorplan,Multiple Master Suites,Walk-In Closet(s)

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 2,920 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Features: Built-in Features,Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 418304
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 2.76 Acres
  • Features: Acreage

Parking

  • Total spaces: 4
  • Parking features: Additional Parking,Boat,Carport,Gravel,RV Access/Parking,Storage
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Heat Wave
Inland Flooding

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,477$29,724
Home Insurance *$332$3,984
Property Taxes $698$8,376
Electricity $320$3,847
Total$3,827$45,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,211/yr
40% on housing$114,810/yr
45% on housing$102,053/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 76712$185
McLennan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 76712$175
McLennan County$167

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-23Price change$490,000
2026-01-02Price change$505,000
2025-10-31Price change$515,000
2025-09-25Listed for sale$525,000
2024-07-26Sold--
2024-06-27Pending sale$527,000
2024-04-22Listed for sale$527,000
2024-03-07Listing removed$520,000
2023-11-02Price change$520,000
2023-10-18Price change$565,000
2023-10-04Price change$569,000
2023-09-27Price change$571,000
2023-09-20Price change$573,000
2023-07-26Listed for sale$575,000

For Sale by Agent

AgentAmy Jo Garbett
BrokerageCENTURY 21 Judge Fite Company

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