Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$328,148$203 / 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 93How 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

640 SILVER RIVER RD

WACO, TX 76705
3
Beds
2
Baths
1,620 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.
1.27 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$328K
$304K low$352K 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.$210,148
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$168,118
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.39%
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.$118,000
EDUCATORS CU · recorded May 15, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,717 (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.$240,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,730
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$215,270
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$246,450
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$240,000

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.68
97
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
65
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
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.98 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.1.27
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.Metal
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Gholson SchoolC+
Elementary · Grades PK–12 · 1.7 mi

District: Gholson Independent School District

Neighborhood · ZIP 76705These 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.112
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 100.16

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.31,396
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.265 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,958
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,731
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

640 Silver River 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 80% of homes in Waco 76705
  • Costs more per square foot than 84% of homes in Waco 76705
  • Bigger than 66% of homes in Waco 76705
  • Has a bigger lot than 83% of homes in McLennan County
  • Newer than 94% of homes in Waco 76705

What homes are worth in Waco 76705

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

This home
$81K$812K

This home is worth more than 80% of homes in Waco 76705.

How it measures up in Waco 76705

The dot is this home. The mark in the middle is the typical home in Waco 76705.

Estimated value$328,148
CheaperTypical $221,645Pricier

Pricier than 80% of homes nearby

Price per ft²$203
CheaperTypical $154Pricier

Pricier than 84% of homes nearby

Living area1,620 ft²
SmallerTypical 1,422 ft²Bigger

Bigger than 66% of homes nearby

Lot size1.27 ac
SmallerTypical 0.34 acBigger

Bigger than 76% of homes nearby

Year built2020
OlderTypical 1982Newer

Newer than 94% of homes nearby

How 640 Silver River Rd ranks against every home in each area.
MeasureThis homeWaco 76705McLennan County
Estimated valuepricier than$328,14880% of homes65% of homes
Price per ft²pricier than$20384% of homes80% of homes
Living areabigger than1,620 ft²66% of homes49% of homes
Lot sizebigger than1.27 ac76% of homes83% of homes
Year builtnewer than202094% of homes94% of homes

About 640 Silver River Rd

How much is 640 Silver River Rd, Waco, TX worth?

The TopHap Estimate for 640 Silver River Rd, Waco, TX is $328,148 as of Jul 14, 2026. The likely range is $303,846 to $352,450. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Silver River Rd, Waco, TX last sell?

640 Silver River Rd, Waco, TX last sold on Nov 10, 2016, according to the county's recorded deed.

How big is 640 Silver River Rd, Waco, TX?

640 Silver River Rd, Waco, TX has 3 bedrooms, 2 bathrooms, 1,620 square feet of living space and a 1.27-acre lot.

When was 640 Silver River Rd, Waco, TX built?

640 Silver River Rd, Waco, TX was built in 2020, making it 6 years old. The building has 1 story.

What schools serve 640 Silver River Rd, Waco, TX?

640 Silver River Rd, Waco, TX is assigned to Gholson School (elementary), rated C+. All sit in Gholson Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Silver River Rd, Waco, TX compare to other homes in Waco 76705?

Among the 10,502 homes in Waco 76705, it is worth more than 80% of them ($328,148 against a typical $221,645), its price per square foot is higher than 84% of them ($203 against a typical $154), it is bigger than 66% of them (1,620 ft² against a typical 1,422 ft²), its lot is bigger than 76% of them (1.27 ac against a typical 0.34 ac) and it is newer than 94% of them (2020 against a typical 1982). Measured against all of McLennan County, it is worth more than 65% 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 640 Silver River Rd, Waco, TX?

The 2024 property tax bill for 640 Silver River Rd, Waco, TX was $1,717. The county assessed it at $240,000.

Closest homes

More homes in Waco 76705

Assigned schools

Explore the area

See this home in context

Open 640 Silver River Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map