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3213 S 3rd St, Waco, TX, 76706

3beds
2baths
1,563sqft
$299,900
$192price/sqft
$2,270/moest. monthly cost
$90,800/yrincome needed

About This Home

Step into the perfect blend of classic charm and modern comfort in this beautifully remodeled 1950s home, ideally located just minutes from Baylor University in the heart of Waco, Texas. Completely updated from top to bottom, this move-in-ready property features rich hardwood flooring, stunning granite countertops, and sleek, modern touches throughout. Offering 3 spacious bedrooms and 2 full bathrooms, the home is perfectly suited for a single-family residence or an excellent investment opportunity for college students seeking proximity to campus. The thoughtfully designed layout provides both comfort and functionality, with light-filled living spaces that feel fresh, warm, and inviting. Well planned remodel includes amenities such as a tankless on demand water heater, new stainless steel appliances, and wonderful touches like the sliding door for the well planned utility room! Situated on over half an acre, the expansive lot offers endless possibilities—room to relax, entertain, or expand. With its prime location, timeless updates, and generous outdoor space, this home is a rare find that combines convenience, style, and value. Don’t miss your opportunity to own a fully renovated gem near Baylor University

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1953

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Full bathrooms: 2

Property

Lot

  • Lot size: 0.55 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport,Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Lightning

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 $1,516$18,192
Home Insurance *$177$2,124
Property Taxes $339$4,068
Electricity $238$2,859
Total$2,270$27,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,828/yr
40% on housing$68,100/yr
45% on housing$60,533/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

$192This listing

vs Other Active Listings

Avg $/sqft

ZIP 76706$158
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)

No zestimate history available

Price History

No price history available

For Sale by Agent

AgentRobert Barben
BrokerageBridge Realty

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