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Single Family ResidenceResidential
$503,960$181 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $406,700 on May 1, 2026

10320 SADDLE CREEK RD

WACO, TX 76708
5
Beds
3
Baths
2,782 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
2025
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$504K
$463K low$545K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$406,700 · May 1, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,526 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$412,515 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,476
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$344,039
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,290
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$412,515

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.53
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
51
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMCLENNAN
Lot (acres)The size of the land the home sits on, from county records.0.24
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Bosqueville Secondary SchoolA-
Middle · Grades 6–12 · 2.5 mi
E
Bosqueville Elementary SchoolB-
Elementary · Grades PK–5 · 2.6 mi

District: Bosqueville Independent School District

Neighborhood · ZIP 76708These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.80
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.139
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.28,316
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.557 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,793
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,219
Average tempThe average temperature here across a full year.66°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10320 Saddle Creek Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in North Lake Waco
  • Costs more per square foot than 77% of homes in Waco 76708
  • Bigger than 92% of homes in Waco 76708
  • Among the newest homes in North Lake Waco

What homes are worth in Waco 76708

Each bar is how many homes fall in that price range. The marker is this home.

This home
$105K$777K

This home is worth more than 93% of homes in Waco 76708.

How it measures up in Waco 76708

The dot is this home. The mark in the middle is the typical home in Waco 76708.

Estimated value$503,960
CheaperTypical $243,623Pricier

Pricier than 93% of homes nearby

Price per ft²$181
CheaperTypical $157Pricier

Pricier than 77% of homes nearby

Living area2,782 ft²
SmallerTypical 1,561 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.24 ac
SmallerTypical 0.21 acBigger

Bigger than 57% of homes nearby

Year built2025
OlderTypical 1968Newer

Newer than almost all homes nearby

How 10320 Saddle Creek Rd ranks against every home in each area.
MeasureThis homeNorth Lake WacoWaco 76708McLennan County
Estimated valuepricier than$503,96093% of homes93% of homes87% of homes
Price per ft²pricier than$18173% of homes77% of homes68% of homes
Living areabigger than2,782 ft²88% of homes92% of homes89% of homes
Lot sizebigger than0.24 ac52% of homes57% of homes39% of homes
Year builtnewer than2025almost all homesalmost all homesalmost all homes

About 10320 Saddle Creek Rd

How much is 10320 Saddle Creek Rd, Waco, TX worth?

The TopHap Estimate for 10320 Saddle Creek Rd, Waco, TX is $503,960 as of Aug 30, 2026. The likely range is $462,630 to $545,290. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10320 Saddle Creek Rd, Waco, TX last sell?

10320 Saddle Creek Rd, Waco, TX last sold on May 1, 2026 for $406,700, according to the county's recorded deed.

How big is 10320 Saddle Creek Rd, Waco, TX?

10320 Saddle Creek Rd, Waco, TX has 5 bedrooms, 3 bathrooms, 2,782 square feet of living space and a 0.24-acre lot.

When was 10320 Saddle Creek Rd, Waco, TX built?

10320 Saddle Creek Rd, Waco, TX was built in 2025, making it 1 years old. The building has 2 stories.

What schools serve 10320 Saddle Creek Rd, Waco, TX?

10320 Saddle Creek Rd, Waco, TX is assigned to Bosqueville Secondary School (middle), rated A-; Bosqueville Elementary School (elementary), rated B-. All sit in Bosqueville Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10320 Saddle Creek Rd, Waco, TX compare to other homes in Waco 76708?

Among the 9,995 homes in Waco 76708, it is worth more than 93% of them ($503,960 against a typical $243,623), its price per square foot is higher than 77% of them ($181 against a typical $157), it is bigger than 92% of them (2,782 ft² against a typical 1,561 ft²), its lot is bigger than 57% of them (0.24 ac against a typical 0.21 ac) and it is newer than almost all of them (2025 against a typical 1968). Measured against all of McLennan County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10320 Saddle Creek Rd, Waco, TX?

The 2025 property tax bill for 10320 Saddle Creek Rd, Waco, TX was $1,526. The county assessed it at $412,515.

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