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1815 S 12th St, Waco, TX, 76706

5beds
2baths
1,768sqft
$450,000
$255price/sqft
$3,605/moest. monthly cost
$144,200/yrincome needed

About This Home

Located in the heart of Baylor University, this charming property offers the perfect opportunity for students and investors alike. Enjoy the unbeatable proximity to campus while also being just minutes from downtown Waco’s vibrant dining, shopping, and entertainment scene. This welcoming home greets you with a spacious front porch that invites you to relax and stay awhile. Inside, a large open-concept living and dining area flows seamlessly into a generously sized kitchen, creating the perfect setting for gatherings. The modern country-style decor throughout the home delivers a warm, cozy atmosphere your guests will love. Offering four bedrooms plus an additional office (which could serve as a fifth bedroom), the home maximizes its rental or living potential. Two beautifully designed bathrooms provide plenty of space, featuring large custom-tiled, stand-alone showers. The oversized main bathroom also includes a dual vanity and a stunning claw foot tub for a touch of luxury. A side driveway offers ample parking, with additional space available in the backyard — ideal for creating an outdoor living area or expanding parking options. This property is full of potential — whether you're looking for a personal home, a smart investment for your Baylor student, or a profitable rental property in a prime location. Call and schedule your personal tour of this home today!!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

1/10
2/10
3/10
University High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1922

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Disposal,Ice Maker,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • High Speed Internet,Pantry
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,768 sqft

Living Room

  • Level: First
  • Dimensions: 11 x 13

Master Bedroom

  • Features: Built-in Features,Ceiling Fan(s)
  • Level: First
  • Dimensions: 11 x 13

Property

Details

  • Parcel number: 162117
  • Other equipment: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 4,791 sqft

Parking

  • Parking features: Parking Pad

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

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

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Lightning
Hail
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 $2,275$27,300
Home Insurance *$266$3,192
Property Taxes $826$9,912
Electricity $238$2,859
Total$3,605$43,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,600/yr
40% on housing$108,150/yr
45% on housing$96,133/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

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 76706$157
McLennan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 76706$176
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
2026-08-08Listed for rent$2,200
2026-05-26Price change$450,000
2026-01-29Price change$499,900
2026-01-08Listed for sale$525,000
2026-01-05Listing removed$525,000
2025-07-25Price change$525,000
2025-05-01Listed for sale$550,000
2022-03-28Sold--
2022-03-18Pending sale$499,900
2022-03-18Contingent$499,900
2022-01-05Price change$499,900
2021-11-02Listed for sale$549,000
2021-10-01Listing removed--
2021-07-02Listed for sale$750,000
2019-07-21Sold--
2019-06-23Pending sale$149,900
2019-06-18Listed for sale$149,900

For Sale by Agent

AgentCody Berry
BrokerageGraceland Real Estate

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