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221 Gurley Ln, Waco, TX, 76706

6beds
4baths
2,205sqft
$447,000
$203price/sqft
$3,587/moest. monthly cost
$143,480/yrincome needed

About This Home

Rare 6-bedroom, 4-bathroom single-story home in the heart of the Baylor Bubble, just minutes from Baylor University campus. With 2,205 square feet of well-maintained living space, 221 Gurley Lane is an exceptional opportunity whether you're looking for a place to call home or a high-demand investment property in one of Waco's most sought-after neighborhoods. The open-concept living and kitchen area greets you at the front entrance, featuring all new appliances and tile flooring throughout the main living spaces. Generously sized bedrooms with laminate flooring offer comfortable, private space for everyone under the roof. Brand new exterior doors add to the clean, move-in ready feel throughout. What truly sets this property apart is its outdoor space — a genuine rarity in the Baylor Bubble. The fully fenced backyard sits on an 8,337 square foot lot, offering the kind of private outdoor living that most properties in this area simply can't deliver. A perfect space for entertaining, relaxing, or letting the dog run. The big-ticket items have already been taken care of — new HVAC, new hot water heater, and a 4-year-old roof mean you can move in or hand over the keys to tenants with confidence and minimal near-term capital outlay. Single-story brick construction rounds out a home that has been genuinely well cared for and is ready for its next chapter.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

1/10
2/10
3/10
University High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2006

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Water Heater,Disposal,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Eat-in Kitchen,Granite Counters,Kitchen Island

Interior Area

  • Total interior livable area: 2,205 sqft

Living Room

  • Level: First
  • Dimensions: 19 x 20

Master Bedroom

  • Level: First
  • Dimensions: 13 x 14

Property

Details

  • Parcel number: 480240180001090

Features

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

Lot

  • Lot size: 8,319 sqft

Parking

  • Parking features: Driveway,Shared Driveway

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
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
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 $2,260$27,120
Home Insurance *$265$3,180
Property Taxes $820$9,840
Electricity $242$2,905
Total$3,587$43,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,982/yr
40% on housing$107,610/yr
45% on housing$95,653/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

$203This 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
2026-08-08Price change$435,000
2026-07-20Price change$447,000
2026-06-17Price change$457,000
2026-05-23Listed for sale$467,000
2024-01-03Sold--
2023-12-11Pending sale$420,000
2023-12-07Listed for sale$420,000
2021-01-22Sold--
2020-11-16Pending sale$209,900
2020-10-15Price change$209,900
2020-06-08Price change$214,900
2020-04-07Listed for sale$220,000
2020-04-07Listing removed$2,125
2020-03-10Price change$2,125
2020-02-25Listed for rent$2,250
2020-02-24Listing removed$220,000
2019-12-16Listed for sale$220,000
2019-12-16Listing removed$2,700
2019-11-13Listed for rent$2,700
2019-06-03Listing removed$2,700
2019-05-02Listed for rent$2,700
2019-02-04Listing removed$2,700
2019-02-02Price change$2,700
2018-11-25Price change$2,650
2018-09-10Listed for rent$2,825

For Sale by Agent

AgentCliff Rusek
BrokerageWaco Campus Realty Management, LLC

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