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Financing available

$194,900

108 Private Road 127, Whitney, TX 76692

3
beds
3
baths
1,750
sqft

Est. with seller financing: $1,790/mo

  • Single-family
  • Built in 2024
  • 3,746 sq ft lot
  • $111/sqft
  • Hill County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

This property is USDA eligible, offering a potential zero-down financing option for qualified buyers. Enjoy modern lake living less than one mile from McCown Valley Park and Lake Whitney. Built in 2024, this move-in-ready 3-bedroom, 3-bath barndominium offers 1,750 square feet of flexible living space, central heating and air, and no HOA. The two-story layout includes a second primary bedroom, making it well suited for guests, multigenerational living, or anyone seeking additional privacy. Inside, the bright interior features luxury vinyl plank and tile flooring, recessed lighting, ceiling fans, and contemporary black accents. The spacious kitchen offers white shaker-style cabinetry, dark countertops, a subway tile backsplash, stainless-steel appliances, and generous space for cooking and entertaining. All appliances convey. Outside, the expansive covered concrete area provides convenient parking for vehicles, a boat, or lake equipment. The fenced backyard features mature shade trees, a dog run, brick patio area, and a detached storage building with electricity—ideal for a workshop, hobby space, or secure storage. With its low-maintenance metal exterior, modern finishes, flexible floor plan, and convenient access to boating, fishing, camping, and recreation, this property is ready to serve as a full-time residence or Lake Whitney getaway.

Facts & features

Interior

Features

  • Eat In Kitchen
  • High Speed Internet
  • Multiple Master Suites
  • Pantry

Heating & cooling

  • Heating: Central, Electric
  • Cooling: Central Air, Ceiling Fans, Electric

Flooring

  • Luxury Vinyl Plank
  • Tile

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Electric Water Heater
  • Ice Maker
  • Refrigerator

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Electric Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Dog Run

Construction

  • Style: Barndominium, Detached
  • Stories: 2
  • Roof: Metal
  • Foundation: Slab
  • Materials: Metal Siding

Parking

  • Attached Carport
  • Covered
  • Parking Pad

Lot

  • Cleared
  • Landscaped

Community

Neighborhood

  • Subdivision: (9510) FM 1713 LOTS

Schools

  • District: Whitney ISD
  • Elementary: Whitney
  • Middle: Whitney
  • High: Whitney

Financial & listing details

Listing

  • Price per sq ft: $111
  • County: Hill
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,790/mo

Principal & interest
$1,411/mo
Property taxes
$288/mo
Homeowners insurance (est.)
$91/mo
Loan amount
$175,410
Seller financing rate (est.)
9.00%
Term
30-year fixed
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This estimate uses our seller financing program's rate. Taxes are from listing data and insurance is estimated. Your actual payment may be higher. Estimate only. Your final rate, payment, and terms are based on approval. This is not a commitment to lend.

Location

Love this home?Let's find a way to make it yours.

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A traditional mortgage isn't the only way to buy a home.

If you're self-employed, have a lower credit score, use an ITIN, or have been turned down for a mortgage, you may have another option.

Our financing program has different qualification guidelines for eligible buyers. Check your options before you rule out this home.

Available to qualified buyers from HFP, powered by Doorly, only on this site. The seller and listing agent are not affiliated with HFP and cannot offer this program directly. All financing is subject to underwriting, eligibility, program guidelines, and approval.

Check Your Financing Options

How our financing program works

  1. 1

    Get qualified

    Answer a few quick questions and see the down payment you'd need. It takes about a minute and doesn't pull your credit.

  2. 2

    Make it your home

    Once you're approved, our lending partner buys the home from the seller at closing. The seller is paid in full and never carries a loan.

  3. 3

    Own it

    It resells the home to you at the same closing, with financing, so the title is in your name.

This is different from traditional seller financing, where the seller lends you the money. See the full requirements

Listing courtesy of Chance Shilling, Ricochet Realty LLC · MLS #21347797 · 254-400-2417

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. MLS status: Active (available for sale). Information is deemed reliable but not guaranteed and should be independently verified. NTREIS data is for viewing on this site only and may not be reproduced or redistributed. Last updated Oct 9, 2026.

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