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Single Family ResidenceResidential
$179,000$182 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $192,584 on Dec 19, 2022

3109 N 20TH ST

WACO, TX 76708
2
Beds
1
Baths
982 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$179K
$161K low$197K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$192,584 · Dec 19, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,261 (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.$89,452 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$84,202
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$100,570
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$89,452

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.9 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.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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1948
Lot (acres)The size of the land the home sits on, from county records.0.16
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
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 · 80 ft²

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.

E
Cedar Ridge Elementary SchoolC-
Elementary · Grades PK–5 · 0.7 mi
M
G.W. Carver Middle SchoolF
Middle · Grades 6–8 · 2.2 mi
H
Waco High SchoolD+
High · Grades 9–12 · 2.3 mi

District: Waco 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

3109 N 20th St 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 less than 78% of homes in McLennan County
  • Costs more per square foot than 84% of homes in North Waco
  • Smaller than 91% of homes in McLennan County
  • Has a smaller lot than 91% of homes in North Waco
  • Older than 94% of homes in McLennan County

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$731K

This home is worth more than 30% 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$179,000
CheaperTypical $240,452Pricier

Pricier than 30% of homes nearby

Price per ft²$182
CheaperTypical $156Pricier

Pricier than 79% of homes nearby

Living area982 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 12% of homes nearby

Lot size0.16 ac
SmallerTypical 0.21 acBigger

Bigger than 13% of homes nearby

Year built1930
OlderTypical 1967Newer

Newer than 11% of homes nearby

How 3109 N 20th St ranks against every home in each area.
MeasureThis homeNorth WacoWaco 76708McLennan County
Estimated valuepricier than$179,00064% of homes30% of homes22% of homes
Price per ft²pricier than$18284% of homes79% of homes68% of homes
Living areabigger than982 ft²25% of homes12% of homes9% of homes
Lot sizebigger than0.16 ac9% of homes13% of homes10% of homes
Year builtnewer than193035% of homes11% of homes6% of homes

About 3109 N 20th St

How much is 3109 N 20th St, Waco, TX worth?

The TopHap Estimate for 3109 N 20th St, Waco, TX is $179,000 as of Jul 14, 2026. The likely range is $161,177 to $196,823. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3109 N 20th St, Waco, TX last sell?

3109 N 20th St, Waco, TX last sold on Dec 19, 2022 for $192,584, according to the county's recorded deed.

How big is 3109 N 20th St, Waco, TX?

3109 N 20th St, Waco, TX has 2 bedrooms, 1 bathrooms, 982 square feet of living space and a 0.16-acre lot.

When was 3109 N 20th St, Waco, TX built?

3109 N 20th St, Waco, TX was built in 1930, making it 96 years old. The building has 1 story.

What schools serve 3109 N 20th St, Waco, TX?

3109 N 20th St, Waco, TX is assigned to Cedar Ridge Elementary School (elementary), rated C-; G.W. Carver Middle School (middle), rated F; Waco High School (high), rated D+. All sit in Waco Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3109 N 20th St, Waco, TX compare to other homes in Waco 76708?

Among the 9,995 homes in Waco 76708, it is worth more than 30% of them ($179,000 against a typical $240,452), its price per square foot is higher than 79% of them ($182 against a typical $156), it is bigger than 12% of them (982 ft² against a typical 1,560 ft²), its lot is bigger than 13% of them (0.16 ac against a typical 0.21 ac) and it is newer than 11% of them (1930 against a typical 1967). Measured against all of McLennan County, it is worth more than 22% 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 3109 N 20th St, Waco, TX?

The 2025 property tax bill for 3109 N 20th St, Waco, TX was $2,261. The county assessed it at $89,452.

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