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Rural ResidenceResidential
$611,310$340 / 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 81How 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

4305 N ROCK CREEK LOOP

WACO, TX 76708
4
Beds
3 / 1
Baths
1,800 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.
8 ac
Lot SizeThe size of the land the home sits on, from county records.
2014
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$611K
$496K low$727K 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.$301,310
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$241,048
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.48%
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.$310,000
NEWREZ LLC · recorded Dec 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,443 (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.$390,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$89,610
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$300,390
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$400,380
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$390,000

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.77
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
66
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.
75
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.197 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.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.Rural Residence
CountyMcLennan
Lot (acres)The size of the land the home sits on, from county records.8.00
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
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.Shed · 408 ft²Porch · 2,288 ft²

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.

M
China Spring Middle SchoolA-
Middle · Grades 7–8 · 4.8 mi
E
China Spring Elementary SchoolA-
Elementary · Grades PK–3 · 4.9 mi
H
China Spring High SchoolA-
High · Grades 9–12 · 5.0 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.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

4305 N Rock Creek Loop 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 95% of homes in Waco 76708
  • Among the highest price per square foot in Waco 76708
  • Bigger than 65% of homes in Waco 76708
  • Has a bigger lot than 98% of homes in Waco 76708
  • Newer than 87% 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$776K

This home is worth more than 95% 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$611,310
CheaperTypical $240,827Pricier

Pricier than 95% of homes nearby

Price per ft²$340
CheaperTypical $157Pricier

Pricier than almost all homes nearby

Living area1,800 ft²
SmallerTypical 1,545 ft²Bigger

Bigger than 65% of homes nearby

Lot size8 ac
SmallerTypical 0.21 acBigger

Bigger than 98% of homes nearby

Year built2014
OlderTypical 1965Newer

Newer than 87% of homes nearby

How 4305 N Rock Creek Loop ranks against every home in each area.
MeasureThis homeWaco 76708McLennan County
Estimated valuepricier than$611,31095% of homes92% of homes
Price per ft²pricier than$340almost all homes97% of homes
Living areabigger than1,800 ft²65% of homes60% of homes
Lot sizebigger than8 ac98% of homes94% of homes
Year builtnewer than201487% of homes87% of homes

About 4305 N Rock Creek Loop

How much is 4305 N Rock Creek Loop, Waco, TX worth?

The TopHap Estimate for 4305 N Rock Creek Loop, Waco, TX is $611,310 as of Jul 14, 2026. The likely range is $495,603 to $727,017. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4305 N Rock Creek Loop, Waco, TX last sell?

4305 N Rock Creek Loop, Waco, TX last sold on Mar 20, 2014, according to the county's recorded deed.

How big is 4305 N Rock Creek Loop, Waco, TX?

4305 N Rock Creek Loop, Waco, TX has 4 bedrooms, 3 bathrooms, 1,800 square feet of living space and a 8.00-acre lot.

When was 4305 N Rock Creek Loop, Waco, TX built?

4305 N Rock Creek Loop, Waco, TX was built in 2014, making it 12 years old. The building has 1 story.

What schools serve 4305 N Rock Creek Loop, Waco, TX?

4305 N Rock Creek Loop, Waco, TX is assigned to China Spring Middle School (middle), rated A-; China Spring Elementary School (elementary), rated A-; China Spring High School (high), rated A-. All sit in China Spring Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4305 N Rock Creek Loop, Waco, TX compare to other homes in Waco 76708?

Among the 9,849 homes in Waco 76708, it is worth more than 95% of them ($611,310 against a typical $240,827), its price per square foot is higher than almost all of them ($340 against a typical $157), it is bigger than 65% of them (1,800 ft² against a typical 1,545 ft²), its lot is bigger than 98% of them (8 ac against a typical 0.21 ac) and it is newer than 87% of them (2014 against a typical 1965). Measured against all of McLennan County, it is worth more than 92% 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 4305 N Rock Creek Loop, Waco, TX?

The 2024 property tax bill for 4305 N Rock Creek Loop, Waco, TX was $4,443. The county assessed it at $390,000.

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