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617 S 12th St, Waco, TX, 76706

5beds
4baths
2,976sqft
$824,700
$277price/sqft
$6,529/moest. monthly cost
$261,160/yrincome needed

About This Home

Welcome to one of Waco's historic treasures featured in Historic Homes of Waco! Walking distance to the Silos, Downtown Waco, Foster Pavilion and minutes from Baylor University. Large living space that opens to the kitchen and dining room, a wood-burning fire place, plenty of natural light throughout, stainless steel refrigerator, stocked kitchen with utensils, plates, bowls, all cooking supplies, a coffee bar, and more. This active STR investment property, zoned O-2, is a top performer in the area and is being sold AS IS! All furniture included in the sale. Comfortably sleeps 15 people, and is equipped with a pickleball, volleyball, basketball area, large firepit, and large covered patio. Double lot, potential for another SFR or STR development. Don't miss out on this property, call today! High earner, value add, financials upon request, 2 lots, investor alert!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

3/10
1/10
3/10
Waco High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Early American,Farmhouse,Modern,Detached
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Disposal,Ice Maker,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Chandelier,Decorative/Designer Lighting Fixtures,Double Vanity,Eat-in Kitchen,High Speed Internet,Kitchen Island,Open Floorplan,Cable TV,Natural Woodwork,Wired for Sound
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,976 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Accessibility

  • Accessibility features: Accessible Bedroom

Details

  • Parcel number: 480360000018006

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Basketball Court
  • Fencing: Wood

Lot

  • Lot size: 0.28 Acres
  • Features: Few Trees

Parking

  • Parking features: Gravel,On Site,Parking Pad
  • Has uncovered spaces: Yes

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Inland Flooding
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 $4,170$50,040
Home Insurance *$489$5,868
Property Taxes $1,544$18,528
Electricity $326$3,921
Total$6,529$78,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,851/yr
40% on housing$195,870/yr
45% on housing$174,106/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

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 76706$156
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
2026-04-10Listed for sale$824,700
2026-04-09Listing removed$825,000
2026-02-16Price change$825,000
2026-01-16Listed for sale$837,500
2022-03-25Sold--
2022-03-01Pending sale$579,900
2022-02-20Contingent$579,900
2022-02-20Pending sale$579,900
2022-01-02Listed for sale$579,900
2021-12-30Contingent$579,900
2021-12-30Pending sale$579,900
2021-11-02Price change$579,900
2021-08-09Price change$629,000
2021-06-28Listed for sale$689,000

For Sale by Agent

AgentTaylor Lokey
BrokerageScott Brown Properties, Inc

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