For sale

$128,000

Est. $956/mo —

•

1 ba

•

728

sq ft

3539 N 20th St, Waco, TX 76708

About this home

Single Family Home - DISCLAIMER: The photos and/or videos may be general representation of the properties need to post updated photos as photos on file are old. this is a small 2 bedroom 1 bath can schedule to look at property anytime this house has potential for the right person has a huge front/backyard with the area growing and everything near by quiet neighborhood. please fell free to call or text me to 254-229-2080 * MUST PROVIDE YOUR OWN WINDOW UNITS

1983Year Built

$176Price/Sq.Ft.

Source:FSBO.com#cmqzrkmtk00phs601obo3lvx8

Payment calculator

$956 per month

Principal and interest$690

Property taxes

$198

HOA dues

Home insurance

$68

Utilities

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Open houses

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Around this home

Schools

K - 12
Preschool & daycare

Cedar Ridge Elementary School

Public PreK-5 • Assigned • 0.4mi

4/10

G W Carver Middle

Public 6-8 • Assigned • 2.5mi

1/10

Waco High School

Public 9-12 • Assigned • 2.5mi

3/10

Provided by GreatSchools

About North

Waco

North Waco, located between the Brazos River and Waco Regional Airport, is a historic and industrial Waco neighborhood with riverfront edges and rail-and-warehouse streetscapes. The neighborhood’s character concentrates around Elm Avenue near Martin Luther King Jr. Boulevard, where murals, small storefronts, and legacy brick buildings set a working-city rhythm. Cultural pillars include the Dr Pepper Museum, the Waco Mammoth National Monument, and the Waco Suspension Bridge. Housing ranges from early 20th-century cottages to modest infill near older commercial corridors. Flat blocks and wide arterials shape a practical, drive-oriented layout, while the river and downtown skyline stay in view. Parks and museums add a weekend cadence without changing the neighborhood’s grounded feel.

Provided by Walk Score and Local Logic

Market insights

3539 N 20th St · $128,000

DAYS ON MARKET

The average home goes pending in 62 days.

SALE-TO-LIST

Most homes are selling 3% below list price.

LIST PRICE

Median sale price in this area is $293,986. (130% higher than this home)

PRICE DROP

25% of homes in this area have had a price drop in the past month.

Property details

Exterior

Exterior features
Located in the North Waco subdivision

Home design
Built in 1983

Construction
1983 construction

Sale and tax history for 3539 N 20th St

Sale History
Tax History

Year

Property tax

Land + Additions

Assessment*

2025

$2,373 (+4.7%)

$16,420 + $89,110

$105,530

2024

$2,266 (+8.4%)

$16,420 + $84,030

$100,450

2023

$2,091 (−4.6%)

$16,420 + $76,840

$93,260

2022

$2,192 (+45.9%)

$14,270 + $72,800

$87,070

2021

$1,502 (+30.0%)

$7,180 + $50,900

$58,080

2020

$1,156 (+3.6%)

$6,770 + $36,703

$43,473

2019

$1,116 (−2.1%)

$6,520 + $34,640

$41,160

2018

$1,140 (−6.5%)

$6,190 + $34,330

$40,520

2017

$1,219 (+27.2%)

$6,190 + $34,330

$40,520

2016

$958 (−5.8%)

$5,860 + $37,040

$42,900

2015

$1,017 (+1.2%)

$5,780 + $27,830

$33,610

2014

$1,005

$7,000 + $28,730

$35,730

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

50 ft.

Lot depth

165 ft.

Lot size

8,250 Sq. Ft.

Year renovated

—

Finished Sq. Ft.

728

Unfinished Sq. Ft.

—

Total Sq. Ft.

728

Year built

1947

Style

Single Family Residential

County

McLennan County

APN

480315000011000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 6, 2026.

R-2

Two-Family and Attached Single Family Residence District

The R-2 two-family and attached single-family residence district is intended to provide for development of attached dwelling types at moderate densities where it may serve as a transitional use between single-family residential areas and more intensive uses; or in locations with convenient access to the major street system and proximity to community services.

Permitted uses

Include but are not limited to:

Agriculture
Religious facility
Housing-Single unit
Housing-Multiple units
Housing-Student
Bed & breakfast
Educational/school
Library
Golf related
Park & open space

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

3/10 Fire Factor

0.62% chance of being in a wildfire in next 30 years

7/10 Heat Factor

7 days above 109° expected this year, 23 days in 30 years

6/10 Wind Factor

58% chance of strong winds in next 30 years

2/10 Air Factor

0 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Waco, TX • 76708

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

93/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

10.2 hrs

6.1 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 3539 N 20th St

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Details provided by FSBO.com and may not match the public record. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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