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Single Family ResidenceResidential
$891,301$243 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

28 INDEPENDENCE TRL

WACO, TX 76708
5
Beds
6 / 1
Baths
3,661 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.
2.67 ac
Lot SizeThe size of the land the home sits on, from county records.
2019
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.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$891K
$838K low$945K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$855,604
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$684,483
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.4%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$35,697
FIGURE LENDING LLC · recorded Jan 23, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,418 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$860,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$92,570
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$767,430
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$817,328
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$860,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.2.67
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 694 ft²

Transaction History(4)

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
China Spring Middle SchoolA-
Middle · Grades 7–8 · 2.5 mi
H
China Spring High SchoolA-
High · Grades 9–12 · 2.6 mi
E
China Spring Elementary SchoolA-
Elementary · Grades PK–3 · 3.6 mi

District: China Spring 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

28 Independence Trl 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.

  • Among the most valuable homes in North Lake Waco
  • Costs more per square foot than 98% of homes in North Lake Waco
  • Among the largest homes in North Lake Waco
  • Has a bigger lot than 98% of homes in North Lake Waco
  • Newer than 94% of homes in Waco 76708

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
$109K$767K

This home is worth more than almost all 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$891,301
CheaperTypical $240,905Pricier

Pricier than almost all homes nearby

Price per ft²$243
CheaperTypical $157Pricier

Pricier than 95% of homes nearby

Living area3,661 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 98% of homes nearby

Lot size2.67 ac
SmallerTypical 0.21 acBigger

Bigger than 96% of homes nearby

Year built2019
OlderTypical 1965Newer

Newer than 94% of homes nearby

How 28 Independence Trl ranks against every home in each area.
MeasureThis homeNorth Lake WacoWaco 76708McLennan County
Estimated valuepricier than$891,301almost all homesalmost all homes98% of homes
Price per ft²pricier than$24398% of homes95% of homes91% of homes
Living areabigger than3,661 ft²almost all homes98% of homes97% of homes
Lot sizebigger than2.67 ac98% of homes96% of homes89% of homes
Year builtnewer than201982% of homes94% of homes92% of homes

About 28 Independence Trl

How much is 28 Independence Trl, Waco, TX worth?

The TopHap Estimate for 28 Independence Trl, Waco, TX is $891,301 as of Jun 23, 2026. The likely range is $837,822 to $944,779. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28 Independence Trl, Waco, TX last sell?

28 Independence Trl, Waco, TX last sold on Jul 27, 2023, according to the county's recorded deed.

How big is 28 Independence Trl, Waco, TX?

28 Independence Trl, Waco, TX has 5 bedrooms, 6 bathrooms, 3,661 square feet of living space and a 2.67-acre lot.

When was 28 Independence Trl, Waco, TX built?

28 Independence Trl, Waco, TX was built in 2019, making it 7 years old. The building has 2 stories.

What schools serve 28 Independence Trl, Waco, TX?

28 Independence Trl, Waco, TX is assigned to China Spring Middle School (middle), rated A-; China Spring High School (high), rated A-; China Spring Elementary School (elementary), rated A-. All sit in China Spring Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 28 Independence Trl, Waco, TX compare to other homes in Waco 76708?

Among the 9,844 homes in Waco 76708, it is worth more than almost all of them ($891,301 against a typical $240,905), its price per square foot is higher than 95% of them ($243 against a typical $157), it is bigger than 98% of them (3,661 ft² against a typical 1,540 ft²), its lot is bigger than 96% of them (2.67 ac against a typical 0.21 ac) and it is newer than 94% of them (2019 against a typical 1965). Measured against all of McLennan County, it is worth more than 98% 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 28 Independence Trl, Waco, TX?

The 2024 property tax bill for 28 Independence Trl, Waco, TX was $15,418. The county assessed it at $860,000.

Closest homes

More homes in Waco 76708

Assigned schools

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