# 3520 S 4TH, Waco, TX 76706 > **TL;DR:** 3bd/2ba single family, $439,900 ($319/sqft), built 2023, 1,381 sqft. > EV Charger, A/C. Est. $2,352/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $439,900 | | Price/sqft | $319 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,381 | | Year Built | 2023 | | Lot Size | 14,375 sqft (0.33 acres) | | Stories | 2 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 0 | ## Why This Home Stands Out - **EV Charger** - Electric vehicle ready ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,224 | | Estimated Insurance | $128 | | **Total** | **$2,352** | ## Nearby Schools - **Elementary:** South Waco - **Middle:** Cesar Chavez - **High:** University ## Key Amenities - EV Charger - A/C ## Property Highlights - Built in 2023 - 0.33 acre lot - 2 stories ## Description ### Agent Description Modern design meets thoughtful functionality in this distinctive 2023-built home conveniently located just minutes from Baylor University and central Waco. A striking monochromatic exterior and standing-seam metal roof create impressive curb appeal, while the light-filled interior offers a clean, contemporary feel throughout. The open living and dining areas flow naturally into a beautifully designed kitchen featuring quartz countertops, sleek maple cabinetry with finger-pull drawers, a built-in refrigerator, induction cooktop, concealed pop-up outlets, under-sink water filtration, and a motorized window shade. Double sliding doors extend the living space outdoors and bring abundant natural light into the main level. The private primary suite is conveniently located downstairs and includes an en suite bath. Upstairs, two additional bedrooms share a spacious bathroom with dual sinks, with the laundry room also conveniently located on the second floor. Outside, an electric gate provides access to a privacy-fenced backyard with additional off-street parking and an electric vehicle charger. One of the property's most unique features is the additional land extending beyond the rear fence, creating flexibility for expanded outdoor living or future improvements. The additional space may also offer an opportunity to explore an accessory dwelling unit, guest quarters, or other permitted use under applicable City of Waco requirements. With bold architectural character, smart design choices, flexible outdoor space, and a location convenient to Baylor University, this home offers a refreshing alternative to the ordinary. ## Location - **Address:** 3520 S 4TH, Waco, TX 76706 - **County:** McLennan - **Neighborhood:** FRENCH QUARTER - **Coordinates:** 31.528876, -97.097817 - **Google Maps:** https://www.google.com/maps?q=31.528876,-97.097817 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/ntreis/21389909 ## Listing Agent - **Name:** Ginnie Harwood - **Brokerage:** Graceland Real Estate - **Phone:** 254-772-7788 - **Broker Phone:** 254-772-7788 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3520-S-4th-St_Waco_TX_76706_M89664-93891?f=listhub&s=NTREIS&m=21389909&c=propsimple) ## Photos ![3520 S 4TH - Photo 1](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2966730872r.jpg) ![3520 S 4TH - Photo 2](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3667085762r.jpg) ![3520 S 4TH - Photo 3](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f398292328r.jpg) ![3520 S 4TH - Photo 4](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f196394119r.jpg) ![3520 S 4TH - Photo 5](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f836568074r.jpg) ![3520 S 4TH - Photo 6](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3956688477r.jpg) ![3520 S 4TH - Photo 7](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1751172008r.jpg) ![3520 S 4TH - Photo 8](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2710197813r.jpg) ![3520 S 4TH - Photo 9](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1800911231r.jpg) ![3520 S 4TH - Photo 10](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f645327941r.jpg) ![3520 S 4TH - Photo 11](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f609608929r.jpg) ![3520 S 4TH - Photo 12](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2750162923r.jpg) ![3520 S 4TH - Photo 13](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3745245929r.jpg) ![3520 S 4TH - Photo 14](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1030128580r.jpg) ![3520 S 4TH - Photo 15](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1334150555r.jpg) ![3520 S 4TH - Photo 16](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2749109910r.jpg) ![3520 S 4TH - Photo 17](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f4201908338r.jpg) ![3520 S 4TH - Photo 18](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f68069842r.jpg) ![3520 S 4TH - Photo 19](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1478536730r.jpg) ![3520 S 4TH - Photo 20](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2992307197r.jpg) ![3520 S 4TH - Photo 21](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1105887220r.jpg) ![3520 S 4TH - Photo 22](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3989995347r.jpg) ![3520 S 4TH - Photo 23](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f4046147014r.jpg) ![3520 S 4TH - Photo 24](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f350599831r.jpg) ![3520 S 4TH - Photo 25](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f89178866r.jpg) ![3520 S 4TH - Photo 26](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f4244464453r.jpg) ![3520 S 4TH - Photo 27](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1657205004r.jpg) ![3520 S 4TH - Photo 28](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1093717481r.jpg) ![3520 S 4TH - Photo 29](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1370370127r.jpg) ![3520 S 4TH - Photo 30](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1882449590r.jpg) ![3520 S 4TH - Photo 31](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3115526093r.jpg) --- **MLS#:** 21389909 | **Updated:** 2026-09-19 **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/3520-s-4th-waco-tx-76706-21389909) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3520-s-4th-waco-tx-76706-21389909#listing", "url": "https://www.propertysimple.ai/listing/3520-s-4th-waco-tx-76706-21389909", "name": "3520 S 4TH, Waco, TX 76706", "description": "Modern design meets thoughtful functionality in this distinctive 2023-built home conveniently located just minutes from Baylor University and central Waco. A striking monochromatic exterior and standing-seam metal roof create impressive curb appeal, while the light-filled interior offers a clean, contemporary feel throughout. 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