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Single Family ResidenceResidential
$194,971$157 / 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 95How 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 $6,099 on May 4, 2022

3909 N 20TH ST

WACO, TX 76708
3
Beds
1.5
Baths
1,240 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$195K
$185K low$205K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$6,099 · May 4, 2022
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.114%
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.$201,286
FIRST NATIONAL BANK TEXAS · E · recorded May 4, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,495 (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.$143,590 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$116,290
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$162,558
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$143,590

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.1978
Lot (acres)The size of the land the home sits on, from county records.0.19
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 216 ft²Porch · 185 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 · 0.1 mi
H
Waco High SchoolD+
High · Grades 9–12 · 2.8 mi
M
G.W. Carver Middle SchoolF
Middle · Grades 6–8 · 2.8 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%

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.No

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

3909 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 74% of homes in McLennan County
  • Costs more per square foot than 74% of homes in Cedar Ridge
  • Smaller than 75% of homes in McLennan County
  • Has a smaller lot than 81% of homes in Cedar Ridge
  • Older than 73% 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
$107K$782K

This home is worth more than 36% 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$194,971
CheaperTypical $240,414Pricier

Pricier than 36% of homes nearby

Price per ft²$157
CheaperTypical $157Pricier

Pricier than 50% of homes nearby

Living area1,240 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.19 ac
SmallerTypical 0.21 acBigger

Bigger than 44% of homes nearby

Year built1955
OlderTypical 1964Newer

Newer than 46% of homes nearby

How 3909 N 20th St ranks against every home in each area.
MeasureThis homeCedar RidgeWaco 76708McLennan County
Estimated valuepricier than$194,97137% of homes36% of homes26% of homes
Price per ft²pricier than$15774% of homes50% of homes40% of homes
Living areabigger than1,240 ft²27% of homes31% of homes25% of homes
Lot sizebigger than0.19 ac19% of homes44% of homes27% of homes
Year builtnewer than195547% of homes46% of homes27% of homes

About 3909 N 20th St

How much is 3909 N 20th St, Waco, TX worth?

The TopHap Estimate for 3909 N 20th St, Waco, TX is $194,971 as of Jul 14, 2026. The likely range is $184,896 to $205,046. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3909 N 20th St, Waco, TX last sell?

3909 N 20th St, Waco, TX last sold on May 4, 2022 for $6,099, according to the county's recorded deed.

How big is 3909 N 20th St, Waco, TX?

3909 N 20th St, Waco, TX has 3 bedrooms, 1.5 bathrooms, 1,240 square feet of living space and a 0.19-acre lot.

When was 3909 N 20th St, Waco, TX built?

3909 N 20th St, Waco, TX was built in 1955, making it 71 years old. The building has 1 story.

What schools serve 3909 N 20th St, Waco, TX?

3909 N 20th St, Waco, TX is assigned to Cedar Ridge Elementary School (elementary), rated C-; Waco High School (high), rated D+; G.W. Carver Middle School (middle), rated F. All sit in Waco Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3909 N 20th St, Waco, TX compare to other homes in Waco 76708?

Among the 9,844 homes in Waco 76708, it is worth more than 36% of them ($194,971 against a typical $240,414), its price per square foot is higher than 50% of them ($157 against a typical $157), it is bigger than 31% of them (1,240 ft² against a typical 1,536 ft²), its lot is bigger than 44% of them (0.19 ac against a typical 0.21 ac) and it is newer than 46% of them (1955 against a typical 1964). Measured against all of McLennan County, it is worth more than 26% 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 3909 N 20th St, Waco, TX?

The 2025 property tax bill for 3909 N 20th St, Waco, TX was $1,495. The county assessed it at $143,590.

Closest homes

More homes in Waco 76708

Assigned schools

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