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1124 N 13th St, Waco, TX, 76707

3beds
2baths
1,136sqft
$202,000
$178price/sqft
$1,670/moest. monthly cost
$66,800/yrincome needed

About This Home

PRICE IMPROVEMENT!! Where timeless character meets everyday comfort in the heart of Waco. This inviting home offers the kind of warmth you feel the moment you step onto the property. Mature trees frame the yard, creating a sense of privacy and charm, while the classic exterior hints at the thoughtful details waiting inside. Step through the front door and you’ll find a layout designed for both connection and functionality. Natural light pours through well-placed windows, giving each room an airy, uplifting feel. The living area provides the perfect gathering space for cozy evenings, game nights, or hosting friends. Its flow into the dining area makes entertaining seamless and comfortable. The kitchen welcomes you with beautiful earthy green cabinetry & granite countertops. A thoughtful use of space makes meal prep efficient and enjoyable. Whether you’re cooking for two or hosting a full table, you’ll appreciate the practicality and potential this space provides. You will love the finish out of this home. The flooring throughout is ceramic woodlike tile. Bedrooms are generously sized with flexibility for guests, a home office, or creative space. The primary suite serves as a peaceful retreat at the end of the day. Outside, the backyard offers room to relax, garden, or create your own outdoor oasis. There’s space for pets, play equipment, or weekend barbecues under the Texas sky. The oversized lot provides room to grow your outdoor living dream. Located near ALL The Things...local shopping, dining, schools, and major roadways, this home offers convenience without sacrificing neighborhood charm. Whether you are a first-time buyer, looking to downsize, or seeking an investment opportunity, this property presents incredible value and versatility. If you’ve been searching for a home that blends character, comfort, and location, 1124 N 13th Street is ready to welcome you. Schedule your showing today and discover the possibilities waiting inside.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

3/10
1/10
3/10
Waco High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2020

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Disposal,Microwave

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Granite Counters

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,136 sqft

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 16 x 12

Master Bedroom

  • Level: First
  • Dimensions: 12 x 10

Property

Details

  • Parcel number: 480367000006009

Features

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

Lot

  • Lot size: 6,795 sqft

Parking

  • Parking features: Driveway,No Garage
  • 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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High

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 $1,021$12,252
Home Insurance *$209$2,508
Property Taxes $202$2,424
Electricity $238$2,859
Total$1,670$20,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,257/yr
40% on housing$50,100/yr
45% on housing$44,533/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 76707$99
McLennan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 76707$153
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
2026-05-07Price change$212,500
2026-04-11Price change$217,500
2026-03-12Listed for sale$221,500
2024-05-01Sold--
2024-04-01Pending sale$199,000
2024-03-27Price change$199,000
2024-03-07Price change$229,000
2024-02-28Price change$232,000
2023-12-29Listed for sale$239,000
2022-07-16Listing removed--
2022-07-07Listed for sale$239,000
2021-10-15Sold--
2021-09-21Pending sale$170,000
2021-09-01Price change$170,000
2021-08-20Listed for sale$177,000
2021-02-05Sold--
2020-10-07Pending sale$149,990
2020-08-18Price change$149,990
2020-07-23Listed for sale$147,990
2016-09-12Sold--

For Sale by Agent

AgentJer'leigh Thompson
BrokerageTexcel Real Estate, LLC

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