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Financing available

$559,990

114 Emma Street, Red Oak, TX 75154

5
beds
3.5
baths
2,630
sqft

Est. with seller financing: $4,399/mo

  • Single-family
  • Built in 2026
  • 7,708 sq ft lot
  • $213/sqft
  • $83/mo HOA
  • Ellis County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Experience elevated new construction in the heart of Red Oak, one of North Texas’ growing communities gaining momentum, conveniently located approximately 25 minutes from Downtown Dallas and within walking distance of Red Oak High School. Step inside to soaring 20-ft ceilings, custom wall-paneled accent walls and thoughtfully placed LED lighting. The kitchen is designed to impress with a massive waterfall quartz island, floor-to-ceiling cabinetry, pot filler, farmhouse sink, walk-in pantry and upgraded THOR appliances with gas cooking and vent hood. The downstairs primary suite features an LED boxed ceiling, spa-inspired seamless shower, freestanding tub and dual vanity. A flexible downstairs bedroom also makes an ideal home office. Upstairs offers a second primary suite with private bath and large closet, two additional guest rooms, full bath, extra storage and a spacious game room overlooking the living area below. Enjoy a large backyard with plenty of room for pets and entertaining, plus a covered patio. Additional features include under-stair storage, a powder bath with a bidet, irrigation system, tankless water heater, natural gas and fiber-optic high-speed internet. A modern home combining style, functionality and convenience in growing Red Oak!

Facts & features

Interior

Features

  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Granite Counters
  • High Speed Internet
  • In Law Floorplan
  • Kitchen Island
  • Multiple Master Suites
  • Open Floorplan
  • Pantry
  • Walk In Closets

Heating & cooling

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

Flooring

  • Luxury Vinyl Plank

Appliances

  • Dishwasher
  • Gas Cooktop
  • Disposal
  • Gas Oven
  • Tankless Water Heater

Laundry

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

Exterior & lot

Construction

  • Style: Detached
  • Stories: 2
  • Roof: Shingle
  • Foundation: Slab

Parking

  • Garage spaces: 2
  • Door Single
  • Garage Faces Front
  • Garage

Community

Neighborhood

  • Subdivision: Red Oak Gardens

HOA

  • Red Oak Gardens

Schools

  • District: Red Oak ISD
  • Elementary: Red Oak
  • Middle: Red Oak
  • High: Red Oak

Financial & listing details

Listing

  • Price per sq ft: $213
  • County: Ellis
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,399/mo

Principal & interest
$4,055/mo
Property taxes
Not available
Homeowners insurance (est.)
$261/mo
HOA dues
$83/mo
Loan amount
$503,991
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 (not available for this home) 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.

How buying this home works

  1. 1

    Get qualified

    We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.

  2. 2

    Pick this home

    Once you're approved, tell us this is the one. We handle the purchase from the seller.

  3. 3

    Move in

    We resell the home to you at closing, so the title is in your name. Then make one fixed monthly payment, no bank required.

Location

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Seller financing for this home is 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.

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Listing courtesy of Devon Smith, Only 1 Realty Group North Dallas · MLS #21362568 · 214-560-0422

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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