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Single Family ResidenceResidential
$403,332$202 / 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

5404 FLAT ROCK RD

WACO, TX 76708
3
Beds
2
Baths
1,995 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.
0.6 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$403K
$375K low$432K 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.$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.106%
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.$438,400
NEW ERA LENDING LLC · recorded Oct 27, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,735 (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.$398,740 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$53,580
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$345,160
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$374,034
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$398,740

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.59
62
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
53
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
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.27 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.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.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.2008
Lot (acres)The size of the land the home sits on, from county records.0.60
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
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 80 ft²Porch · 202 ft²

Transaction History(4)

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 · 2.5 mi
H
China Spring High SchoolA-
High · Grades 9–12 · 2.6 mi
E
China Spring Elementary SchoolA-
Elementary · Grades PK–3 · 3.8 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

5404 Flat Rock 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 86% of homes in Waco 76708
  • Costs more per square foot than 93% of homes in North Lake Waco
  • Bigger than 74% of homes in Waco 76708
  • Has a bigger lot than 88% of homes in North Lake Waco
  • Newer than 77% 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
$106K$756K

This home is worth more than 86% 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$403,332
CheaperTypical $240,436Pricier

Pricier than 86% of homes nearby

Price per ft²$202
CheaperTypical $157Pricier

Pricier than 88% of homes nearby

Living area1,995 ft²
SmallerTypical 1,542 ft²Bigger

Bigger than 74% of homes nearby

Lot size0.6 ac
SmallerTypical 0.21 acBigger

Bigger than 86% of homes nearby

Year built2004
OlderTypical 1964Newer

Newer than 74% of homes nearby

How 5404 Flat Rock Rd ranks against every home in each area.
MeasureThis homeNorth Lake WacoWaco 76708McLennan County
Estimated valuepricier than$403,33284% of homes86% of homes76% of homes
Price per ft²pricier than$20293% of homes88% of homes80% of homes
Living areabigger than1,995 ft²61% of homes74% of homes69% of homes
Lot sizebigger than0.6 ac88% of homes86% of homes74% of homes
Year builtnewer than200434% of homes74% of homes77% of homes

About 5404 Flat Rock Rd

How much is 5404 Flat Rock Rd, Waco, TX worth?

The TopHap Estimate for 5404 Flat Rock Rd, Waco, TX is $403,332 as of Jul 14, 2026. The likely range is $375,099 to $431,565. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5404 Flat Rock Rd, Waco, TX last sell?

5404 Flat Rock Rd, Waco, TX last sold on Jul 31, 2024, according to the county's recorded deed.

How big is 5404 Flat Rock Rd, Waco, TX?

5404 Flat Rock Rd, Waco, TX has 3 bedrooms, 2 bathrooms, 1,995 square feet of living space and a 0.60-acre lot.

When was 5404 Flat Rock Rd, Waco, TX built?

5404 Flat Rock Rd, Waco, TX was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 5404 Flat Rock Rd, Waco, TX?

5404 Flat Rock Rd, 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 5404 Flat Rock Rd, Waco, TX compare to other homes in Waco 76708?

Among the 9,849 homes in Waco 76708, it is worth more than 86% of them ($403,332 against a typical $240,436), its price per square foot is higher than 88% of them ($202 against a typical $157), it is bigger than 74% of them (1,995 ft² against a typical 1,542 ft²), its lot is bigger than 86% of them (0.6 ac against a typical 0.21 ac) and it is newer than 74% of them (2004 against a typical 1964). Measured against all of McLennan County, it is worth more than 76% 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 5404 Flat Rock Rd, Waco, TX?

The 2024 property tax bill for 5404 Flat Rock Rd, Waco, TX was $3,735. The county assessed it at $398,740.

More homes on Flat Rock Rd

Closest homes

More homes in Waco 76708

Assigned schools

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