# 3109 N 20th Street, Waco, TX 76708

> **TL;DR:** 3bd/2ba single family, $168,000 ($171/sqft), built 1930, 982 sqft.
> A/C. Est. $898/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $168,000 |
| Price/sqft | $171 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 982 |
| Year Built | 1930 |
| Lot Size | 7,000 sqft (0.16 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $849 |
| Estimated Insurance | $49 |
| **Total** | **$898** |

## Nearby Schools

- **Elementary:** Cedar Ridge
- **Middle:** GW Carver
- **High:** Waco

## Key Amenities

- A/C

## Property Highlights

- Built in 1930
- 0.16 acre lot

## Description

### Agent Description
Beautifully renovated 3-bedroom, 2-bath home offering 982 SF of updated living space. Originally built in 1931, this home underwent a comprehensive remodel in 2022, including major improvements throughout. Features include an open-concept layout, laminate flooring, custom cabinetry, granite countertops, updated HVAC and roof, and a spacious primary suite. Situated on a 0.161-acre lot with a large backyard and concrete driveway. Conveniently located near MCC, shopping, dining, schools, and everyday amenities. Move-in ready and full of value. Seller is offering up to $4,000 towards an interest rate buy down or other lender approved expenses with an acceptable offer.

## Location

- **Address:** 3109 N 20th Street, Waco, TX 76708
- **County:** McLennan
- **Neighborhood:** STEPHENS J M
- **Coordinates:** 31.57305, -97.168772
- **Google Maps:** https://www.google.com/maps?q=31.57305,-97.168772

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/ntreis/21311689

## Listing Agent

- **Name:** Becky Antunes
- **Brokerage:** Bentwood Realty, LLC
- **Broker Phone:** (254) 300-4800
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3109-N-20th-St_Waco_TX_76708_M76686-83904?f=listhub&s=NTREIS&m=21311689&c=propsimple)

## Photos

![3109 N 20th Street - Photo 1](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f2888859633r.jpg)

![3109 N 20th Street - Photo 2](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f2942019307r.jpg)

![3109 N 20th Street - Photo 3](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f3917176141r.jpg)

![3109 N 20th Street - Photo 4](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f184628466r.jpg)

![3109 N 20th Street - Photo 5](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f1314901030r.jpg)

![3109 N 20th Street - Photo 6](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f1173658693r.jpg)

![3109 N 20th Street - Photo 7](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f471020690r.jpg)

![3109 N 20th Street - Photo 8](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f2706279088r.jpg)

![3109 N 20th Street - Photo 9](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f161034156r.jpg)

![3109 N 20th Street - Photo 10](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f1454085537r.jpg)

![3109 N 20th Street - Photo 11](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f3682108563r.jpg)

![3109 N 20th Street - Photo 12](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f3131370705r.jpg)

![3109 N 20th Street - Photo 13](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f1369810964r.jpg)

![3109 N 20th Street - Photo 14](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f383670151r.jpg)

![3109 N 20th Street - Photo 15](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f914509706r.jpg)

![3109 N 20th Street - Photo 16](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f971876975r.jpg)

![3109 N 20th Street - Photo 17](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f2691453946r.jpg)

![3109 N 20th Street - Photo 18](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f3882648985r.jpg)

![3109 N 20th Street - Photo 19](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f62469847r.jpg)

![3109 N 20th Street - Photo 20](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f3807308892r.jpg)

![3109 N 20th Street - Photo 21](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f1052423887r.jpg)

![3109 N 20th Street - Photo 22](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f4290485204r.jpg)

![3109 N 20th Street - Photo 23](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f1321635103r.jpg)

![3109 N 20th Street - Photo 24](http://lh.rdcpix.com/b8a0194cac2a1f6c384ba67429bdd825l-f3696678570r.jpg)

---

**MLS#:** 21311689 | **Updated:** 2026-10-23
**Source:** listhub

*Copyright © 2026 North Texas Real Estate Information Systems, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/3109-n-20th-street-waco-tx-76708-f3b4c4f80e8a4a2a96ec1384ee1bd9db)

---

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