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Financing available

$449,900

120 Chambers Drive, Italy, TX 76651

4
beds
3
baths
3,259
sqft

Est. with seller financing: $4,211/mo

  • Single-family
  • Built in 1999
  • 48,134 sq ft lot
  • $138/sqft
  • Ellis County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Are you ready to see your fixer upper? Tired of the big city life or is that once small town getting overcrowded? Look no further… sitting on over an acre in charming Italy, Texas, this 4-bedroom, 3-bath home is full of opportunity, character, and the kind of potential fixer-upper fans dream about. With great bones and plenty of space to work with, this home features a split-bedroom layout, an oversized game room, and a spacious primary suite complete with a see-through fireplace, jetted tub, separate shower, and large walk-in closet just waiting for your modern farmhouse touch. Step outside and imagine the possibilities — an enclosed pool ready for summer gatherings, a sand volleyball court for weekends with friends, mature trees, and wide-open space perfect for creating your own backyard oasis. Whether you're envisioning shiplap and rustic charm, cozy gathering spaces, or a complete custom makeover, this property is the perfect canvas to bring your vision to life while building instant sweat equity. Tucked away on a quiet country street but conveniently located just minutes from highway access, this hidden gem offers the peaceful lifestyle you've been searching for with all the potential to become something truly special.

Facts & features

Interior

Features

  • Cable Tv
  • Vaulted Ceilings

Heating & cooling

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

Fireplace

  • Fireplaces: 2
  • Gas Log
  • Living Room
  • Primary Bedroom
  • See Through
  • Wood Burning

Exterior & lot

Construction

  • Style: Traditional, Detached
  • Stories: 1

Parking

  • Garage spaces: 2
  • Garage
  • Garage Door Opener
  • Garage Faces Side

Pool

  • Gunite
  • Heated
  • In Ground
  • Pool

Community

Neighborhood

  • Subdivision: Chambers Meadows

Schools

  • District: Italy ISD
  • Elementary: Stafford
  • Middle: Italy
  • High: Italy

Financial & listing details

Listing

  • Price per sq ft: $138
  • County: Ellis
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,211/mo

Principal & interest
$3,258/mo
Property taxes
$743/mo
Homeowners insurance (est.)
$210/mo
Loan amount
$404,910
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 Eric Enge, Eric Gerard Realty, LLC · MLS #21274412 · 214-432-0334

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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