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Financing available

$474,900

1228 Emilia Road, Fate, TX 75087

4
beds
3
baths
2,305
sqft

Est. with seller financing: $4,384/mo

  • Single-family
  • Built in 2023
  • 6,098 sq ft lot
  • $206/sqft
  • $100/mo HOA
  • Rockwall County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Better-than-new Highland Homes Denton floorplan in Monterra, zoned to Rockwall ISD. This beautifully maintained one-story resale showcases premium design selections already completed, without the wait for new construction. Located on a spacious 50x120 lot, the home features light brick, dark trim, strong curb appeal, and a functional open-concept layout filled with natural light. Inside, tall ceilings and large windows create a bright, open feel throughout the main living areas. The upgraded kitchen includes quartz countertops, a large island, gas cooktop, double ovens, two-tone cabinetry, upper glass-front cabinets, and designer finishes. A built-in hutch coffee bar adds both style and extra storage. The living room is anchored by a beautiful stone fireplace, making the space great for everyday living and entertaining. The private primary suite features a bay window with sitting area, along with a spa-style bath offering dual vanities, a soaking tub, oversized shower, and generous closet space. Additional upgrades include gutters tied into the drainage system, plus surface drains around the property for improved water management. The home also carries the remaining Highland Homes 10-year structural warranty, giving buyers added peace of mind. Enjoy outdoor living on the extended covered patio overlooking the fenced backyard plus walkable access to resort-style amenities including a community pool, amenity center, sport courts, walking trails, green space, and a pond. Conveniently located near I-30 with quick access to shopping, dining, entertainment, Downtown Rockwall, and Lake Ray Hubbard. A rare opportunity to own a highly upgraded Highland Homes resale in one of Rockwall County's most desirable communities - move-in ready and priced below comparable new construction.

Facts & features

Interior

Features

  • Built In Features
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Smart Home
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Plank
  • Tile
  • Vinyl

Appliances

  • Double Oven
  • Dishwasher
  • Gas Cooktop
  • Disposal
  • Gas Oven
  • Microwave
  • Tankless Water Heater
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 1
  • Gas
  • Gas Log
  • Living Room
  • Stone

Exterior & lot

Features

  • Lighting
  • Private Yard
  • Rain Gutters

Construction

  • Style: Detached
  • Stories: 1
  • Roof: Composition
  • Foundation: Slab
  • Materials: Brick

Parking

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

Community

Neighborhood

  • Subdivision: Monterra Phase 1A

HOA

  • Legacy Southwest Property Management

Schools

  • District: Rockwall ISD
  • Elementary: Celia Hays
  • Middle: JW Williams
  • High: Rockwall

Financial & listing details

Listing

  • Price per sq ft: $206
  • County: Rockwall
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,384/mo

Principal & interest
$3,439/mo
Property taxes
$623/mo
Homeowners insurance (est.)
$222/mo
HOA dues
$100/mo
Loan amount
$427,410
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.

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 Steve Koleno, Beycome Brokerage Realty LLC · MLS #21362670 · 804-656-5007

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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