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Financing available

$529,990

118 Emma Street, Red Oak, TX 75154

4
beds
3
baths
2,347
sqft

Est. with seller financing: $5,162/mo

  • Single-family
  • Built in 2026
  • 7,710 sq ft lot
  • $226/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 single-story 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. This thoughtfully designed home offers an open layout with high ceilings and modern LED lighting throughout. The kitchen is designed to impress with a large waterfall quartz island, abundant cabinetry, pot filler, farmhouse sink, walk-in pantry and upgraded LG appliances, including a 36-inch drop-in gas cooktop and built-in oven and microwave integrated into the cabinetry. Custom LED lighting illuminates the island, upper and lower cabinetry, and backsplash for a striking modern finish. The spacious primary suite features a boxed ceiling, oversized walk-in closet and spa-inspired bathroom a rain shower, freestanding tub and dual vanity. The is a 2nd primary suite that offers its own full bath and closet, while two additional bedrooms provide flexibility for family, guests or a home office. The open family room features an Gas fireplace and flows seamlessly into the kitchen and dining areas. Enjoy a mud room, additional storage, tankless water heater, natural gas and fiber-optic high-speed internet. Outside, a covered patio overlooks a spacious backyard with plenty of room for entertaining, pets and outdoor living.

Facts & features

Interior

Features

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

Heating & cooling

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

Flooring

  • Carpet
  • Luxury Vinyl Plank

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Electric Oven
  • Gas Cooktop
  • Disposal
  • Microwave
  • Plumbed For Gas
  • Tankless Water Heater

Fireplace

  • Fireplaces: 1
  • Gas
  • Gas Starter

Laundry

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

Exterior & lot

Construction

  • Style: Detached
  • Stories: 1
  • Roof: Shingle
  • Foundation: Slab
  • Materials: Brick, Concrete, Wood Siding

Parking

  • Garage spaces: 2
  • Concrete
  • Covered
  • Door Single
  • Driveway
  • Garage Faces Front
  • Garage
  • Garage Door Opener

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: $226
  • County: Ellis
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,162/mo

Principal & interest
$3,838/mo
Property taxes (est.)
$994/mo
Homeowners insurance (est.)
$247/mo
HOA dues
$83/mo
Loan amount
$476,991
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 estimated at 2.25% of the price because this listing has no full-year tax amount (common for new construction); actual taxes may differ 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 Adriana Mendez, Only 1 Realty Group North Dallas · MLS #21364740 · 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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