HFPHome Finance
Partner
Powered byDoorly
1 / 20
Financing available

$290,000

109 Baker Street, Mount Vernon, TX 75457

3
beds
3
baths
1,988
sqft

Est. with seller financing: $2,685/mo

  • Single-family
  • Built in 2022
  • 8,146 sq ft lot
  • $146/sqft
  • Franklin (TX) County

Interested in this home?

Seller financing is available to qualified buyers.

Powered byDoorly

About this home

Move-In Ready Living Without the Work — Newer Construction in Mount Vernon If you’ve been looking at homes and keep running into properties that need updating, repairs, or constant maintenance — this one offers a different experience. This 3-bedroom, 3-bath home was built with modern living in mind, giving you the benefit of newer construction without the wait or uncertainty of building. From the moment you walk in, you’ll notice the clean, open feel created by tall ceilings, natural light, and a layout that actually works for everyday life. Designed for comfort and efficiency, the home features full spray foam insulation, helping keep energy costs down while maintaining a comfortable indoor environment year-round. The kitchen and living areas flow naturally together, making it easy to relax, host, or simply enjoy the space without feeling closed in. Step outside to a fully fenced backyard — perfect for pets, outdoor time, or low-maintenance living. Tucked away on a quiet street, you get a sense of privacy while still being just minutes from downtown Mount Vernon. For buyers who want something that’s clean, functional, and ready to go without the projects — this home is worth a closer look.

Facts & features

Interior

Features

  • Double Vanity
  • Granite Counters
  • Open Floorplan
  • Cable Tv
  • Walk In Closets

Heating & cooling

  • Heating: Central
  • Cooling: Central Air

Flooring

  • Ceramic Tile

Appliances

  • Dishwasher
  • Electric Range
  • Disposal
  • Microwave

Laundry

  • Electric Dryer Hookup
  • Gas Dryer Hookup

Exterior & lot

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Asphalt
  • Foundation: Slab
  • Materials: Brick

Parking

  • Garage spaces: 2
  • Concrete
  • Driveway

Community

Neighborhood

  • Subdivision: Sherlock Homes

Schools

  • District: Mount Vernon ISD
  • Elementary: Mt Vernon
  • Middle: Mt Vernon
  • High: Mt Vernon

Financial & listing details

Listing

  • Price per sq ft: $146
  • County: Franklin (TX)
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,685/mo

Principal & interest
$2,100/mo
Property taxes
$450/mo
Homeowners insurance (est.)
$135/mo
Loan amount
$261,000
Seller financing rate (est.)
9.00%
Term
30-year fixed
Powered byDoorly

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.

Powered byDoorly

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 Steven Andrews, Texas Premier Realty · MLS #21248385 · 903-650-8200

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.

More homes in Mount Vernon