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Single Family ResidenceResidential
$259,931$204 / 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

4434 N ROCK CREEK LOOP

WACO, TX 76708
3
Beds
3 / 1
Baths
1,276 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$260K
$244K low$276K 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.$124,231
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$99,385
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.52%
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.$135,700
GRANITE BANK · 6.3% · recorded May 20, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,838 (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.$207,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,120
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$191,880
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$207,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$207,000

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.57
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
67
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.

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.0.50
ConstructionThe main material the home's frame and walls are built from.Brick
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
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 96 ft²SprinklersSecurity alarm

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.

M
China Spring Middle SchoolA-
Middle · Grades 7–8 · 5.0 mi
H
China Spring High SchoolA-
High · Grades 9–12 · 5.1 mi
E
China Spring Elementary SchoolA-
Elementary · Grades PK–3 · 5.2 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

4434 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.

  • Costs more per square foot than 88% of homes in Waco 76708
  • Smaller than 73% of homes in McLennan County
  • Has a bigger lot than 84% of homes in Waco 76708
  • Among the newest 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 56% 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$259,931
CheaperTypical $240,827Pricier

Pricier than 56% of homes nearby

Price per ft²$204
CheaperTypical $157Pricier

Pricier than 88% of homes nearby

Living area1,276 ft²
SmallerTypical 1,545 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.5 ac
SmallerTypical 0.21 acBigger

Bigger than 84% of homes nearby

Year built2023
OlderTypical 1965Newer

Newer than almost all homes nearby

How 4434 N Rock Creek Loop ranks against every home in each area.
MeasureThis homeWaco 76708McLennan County
Estimated valuepricier than$259,93156% of homes45% of homes
Price per ft²pricier than$20488% of homes80% of homes
Living areabigger than1,276 ft²33% of homes27% of homes
Lot sizebigger than0.5 ac84% of homes70% of homes
Year builtnewer than2023almost all homesalmost all homes

About 4434 N Rock Creek Loop

How much is 4434 N Rock Creek Loop, Waco, TX worth?

The TopHap Estimate for 4434 N Rock Creek Loop, Waco, TX is $259,931 as of Jun 23, 2026. The likely range is $244,335 to $275,526. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4434 N Rock Creek Loop, Waco, TX last sell?

4434 N Rock Creek Loop, Waco, TX last sold on Sep 16, 2022, according to the county's recorded deed.

How big is 4434 N Rock Creek Loop, Waco, TX?

4434 N Rock Creek Loop, Waco, TX has 3 bedrooms, 3 bathrooms, 1,276 square feet of living space and a 0.50-acre lot.

When was 4434 N Rock Creek Loop, Waco, TX built?

4434 N Rock Creek Loop, Waco, TX was built in 2023, making it 3 years old. The building has 1 story.

What schools serve 4434 N Rock Creek Loop, Waco, TX?

4434 N Rock Creek Loop, 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 4434 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 56% of them ($259,931 against a typical $240,827), its price per square foot is higher than 88% of them ($204 against a typical $157), it is bigger than 33% of them (1,276 ft² against a typical 1,545 ft²), its lot is bigger than 84% of them (0.5 ac against a typical 0.21 ac) and it is newer than almost all of them (2023 against a typical 1965). Measured against all of McLennan County, it is worth more than 45% 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 4434 N Rock Creek Loop, Waco, TX?

The 2024 property tax bill for 4434 N Rock Creek Loop, Waco, TX was $1,838. The county assessed it at $207,000.

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