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6316 Summit Ridge Dr, Waco, TX, 76710

4beds
3baths
2,697sqft
$400,000
$148price/sqft
$3,193/moest. monthly cost
$127,720/yrincome needed

About This Home

Offering so much for so little, this immaculate four bedroom, three bathroom split-level home is as appealing as it is affordable! ----- With a magnificent split-level floorplan rooted in a mid-century aesthetic, the spacious 2,763 square foot layout superbly accommodates all needs across its three living spaces and two dining areas. ----- Upon entry to the primary level, a formal foyer, living room, and dining room great entrants. Sequestered from the home's den and kitchen, this layout affords ample seating arrangements but can be opened to create a single, massive, open living space. With a fireplace neatly tucked in a corner and the cozy sunroom protruding out from the living room, this floorplan utility and flexibility is unmatched, even at homes twice the size! ----- On the other size of the home, half staircases lead to the home's four bedrooms and three bathrooms. Travelling up reveals a primary suite with walk-in closets (super rare for a home of this era), loads of central storage, and two guest rooms with an easily accessed hallway bathroom. Downstairs, a private suite and second hallway bathroom work well as a guest suite or even an office retreat! ----- Outside, the terraced yard benefits from two distinct levels, mature trees, a large patio, and even an owl's nest! As a bonus, the garage features a large workshop in addition to two car accommodation. ----- Centrally located in Waco's Mountainveiw neighborhood that's just a short walk to schools and the park, this might be THE best value to hit the market today. To see for yourself and appreciate just how spotless this home is, please call or text to schedule your appointment today!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

2/10
4/10
Tennyson Middle SchoolGrades 6-81.6 mi
3/10
Waco High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1959

Materials

  • Foundation: Pillar/Post/Pier,Slab
  • Roof: Composition
  • Construction materials: Brick,Frame,Stone Veneer

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mid-Century Modern,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dishwasher,Electric Oven

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Vaulted Ceiling(s)
  • Window features: Window Coverings
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Natural Gas
  • Cooling features: Central Air,Electric,Gas

Interior Area

  • Total interior livable area: 2,697 sqft

Living Room

  • Features: Ceiling Fan(s),Fireplace
  • Level: First
  • Dimensions: 24 x 18

Master Bedroom

  • Features: En Suite Bathroom,Garden Tub/Roman Tub,Jetted Tub,Walk-In Closet(s)
  • Level: Second
  • Dimensions: 18 x 16

Property

Details

  • Parcel number: 18085

Features

  • Levels: Multi/Split
  • Pool features: None
  • Patio & porch: Patio

Lot

  • Lot size: 10,454 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Lightning
Hail
Inland Flooding
Strong Wind

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 $2,022$24,264
Home Insurance *$339$4,068
Property Taxes $536$6,432
Electricity $296$3,553
Total$3,193$38,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,474/yr
40% on housing$95,790/yr
45% on housing$85,146/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

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 76710$148
McLennan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 76710$159
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
2026-02-03Listed for sale$400,000
2026-01-14Contingent$400,000
2025-12-21Listed for sale$400,000
2016-03-01Sold--
2012-09-11Listing removed$149,100
2012-05-19Listed for sale$149,100
2011-01-16Listing removed$168,500
2010-11-28Price change$168,500
2010-10-14Listed for sale$170,000

For Sale by Agent

AgentMatthew McLeod
BrokerageThe McLeod Company

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