# 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 **CONTEMPORARY DESIGN NEAR BAYLOR!** Built in 2023, this distinctive Waco home combines bold architectural style, smart functionality, and flexible outdoor space just minutes from Baylor University and central Waco. The striking monochromatic exterior and standing-seam metal roof make an immediate impression, while the bright, open interior delivers a clean and modern aesthetic. The main level features open living and dining spaces flowing into a thoughtfully designed kitchen with quartz countertops, sleek maple cabinetry with finger-pull drawers, built-in refrigerator, induction cooktop, concealed pop-up outlets, under-sink water filtration, and a motorized window shade. Double sliding doors bring in abundant natural light and create an easy connection to the outdoors. The private primary suite is conveniently located downstairs with an en suite bath. Upstairs are two additional bedrooms, a spacious dual-sink bathroom, and a laundry room. Outside, an electric gate opens to a privacy-fenced backyard with additional off-street parking and an EV charger. Beyond the rear fence, additional land provides even more possibilities for expanded outdoor living or future improvements. The extra space may also offer potential to explore an accessory dwelling unit, guest quarters, or other permitted use, subject to applicable City of Waco requirements and approvals. Modern, distinctive, and anything but ordinary, this property offers a rare combination of newer construction, architectural character, flexible space, and convenient access to Baylor and the heart of Waco. **Come take a look!** ## 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 - **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-f3114645623r.jpg) ![3520 S 4TH - Photo 6](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f836568074r.jpg) ![3520 S 4TH - Photo 7](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f511307629r.jpg) ![3520 S 4TH - Photo 8](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3956688477r.jpg) ![3520 S 4TH - Photo 9](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1807819572r.jpg) ![3520 S 4TH - Photo 10](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2710197813r.jpg) ![3520 S 4TH - Photo 11](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1800911231r.jpg) ![3520 S 4TH - Photo 12](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f645327941r.jpg) ![3520 S 4TH - Photo 13](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2750162923r.jpg) ![3520 S 4TH - Photo 14](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1376452701r.jpg) ![3520 S 4TH - Photo 15](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3745245929r.jpg) ![3520 S 4TH - Photo 16](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2412321010r.jpg) ![3520 S 4TH - Photo 17](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1030128580r.jpg) ![3520 S 4TH - Photo 18](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1334150555r.jpg) ![3520 S 4TH - Photo 19](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2749109910r.jpg) ![3520 S 4TH - Photo 20](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2305320363r.jpg) ![3520 S 4TH - Photo 21](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f68069842r.jpg) ![3520 S 4TH - Photo 22](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1478536730r.jpg) ![3520 S 4TH - Photo 23](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f2992307197r.jpg) ![3520 S 4TH - Photo 24](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1105887220r.jpg) ![3520 S 4TH - Photo 25](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3989995347r.jpg) ![3520 S 4TH - Photo 26](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f4046147014r.jpg) ![3520 S 4TH - Photo 27](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f350599831r.jpg) ![3520 S 4TH - Photo 28](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f89178866r.jpg) ![3520 S 4TH - Photo 29](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f4244464453r.jpg) ![3520 S 4TH - Photo 30](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1657205004r.jpg) ![3520 S 4TH - Photo 31](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1093717481r.jpg) ![3520 S 4TH - Photo 32](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1370370127r.jpg) ![3520 S 4TH - Photo 33](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f1882449590r.jpg) ![3520 S 4TH - Photo 34](http://lh.rdcpix.com/d169bd5a47233ed954026382244e065cl-f3115526093r.jpg) --- **MLS#:** 21389909 | **Updated:** 2026-10-22 **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-d94cc03b583e44ebbf25aa2231786138) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3520-s-4th-waco-tx-76706-d94cc03b583e44ebbf25aa2231786138#listing", "url": "https://www.propertysimple.ai/listing/3520-s-4th-waco-tx-76706-d94cc03b583e44ebbf25aa2231786138", "name": "3520 S 4TH, Waco, TX 76706", "description": "**CONTEMPORARY DESIGN NEAR BAYLOR!** Built in 2023, this distinctive Waco home combines bold architectural style, smart functionality, and flexible outdoor space just minutes from Baylor University and central Waco. 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