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Financing available

$239,000

131 Choctaw Trail, Whitney, TX 76692

3
beds
2
baths
1,600
sqft

Est. with seller financing: $2,291/mo

  • Single-family
  • 37,462 sq ft lot
  • $149/sqft
  • Hill County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Bright, open living spaces, warm wood accents, and a spacious, rolling backyard welcome you to 131 Choctaw Trail in Whitney, Texas. Natural wood posts and a decorative gable accent frame the covered front porch, providing a charming spot for morning coffee or unwinding at the end of the day. Everything above the foundation was replaced in 2026 (including pvc drains) giving this home a fresh start inside and out. Inside, vaulted ceilings and a striking wood beam give the main living area an airy, spacious feel. Natural light, soft neutral tones, and wood-look flooring create an inviting backdrop for your personal style. The open layout connects the living room, dining area, and kitchen, keeping everyone together whether you’re hosting friends or enjoying a quiet evening at home. White Shaker-style cabinetry, stainless steel appliances, a classic subway tile backsplash, and contrasting hardware give the kitchen a polished look. Generous cabinet and counter space keeps everyday essentials within reach, while the adjoining dining area offers a bright setting for meals and conversation. Carpeted bedrooms provide comfortable places to recharge, including a primary retreat with an adjoining bathroom featuring a glass-enclosed shower. A separate laundry area adds everyday convenience. A new aerobic septic system adds to the property’s extensive improvements. Outside, sod surrounds the house, and mature trees add character to the landscape. A large, rolling backyard slopes away from the home, offering plenty of room for play, outdoor games, and enjoying the fresh air. The property is fenced on three sides, with space to bring your gardening and landscaping ideas to life. An attached garage with a storage area on the other side, a three-car carport, and a generous second entry and parking provides room for vehicles, tools, and recreational gear. From its welcoming porch to its expansive backyard, this home offers an inviting blend of style, comfort, and space to spread out.

Listing courtesy of Gina Ulrich, Fathom Realty · MLS #21424013 · 888-455-6040

Facts & features

Interior

Features

  • Built In Features
  • Decorative Designer Lighting Fixtures
  • Granite Counters
  • Open Floorplan
  • Pantry
  • Walk In Closets

Heating & cooling

  • Heating: Central, Electric, Energy Star Qualified Equipment, Wall Furnace
  • Cooling: Central Air, Ceiling Fans, Electric, Energy Star Qualified Equipment, Wall Units

Flooring

  • Carpet
  • Luxury Vinyl Plank

Appliances

  • Dishwasher
  • Electric Range
  • Electric Water Heater
  • Microwave
  • Vented Exhaust Fan

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Electric Dryer Hookup
  • In Hall

Exterior & lot

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Composition, Shingle
  • Foundation: Pillar Post Pier, Slab
  • Materials: Wood Siding

Parking

  • Garage spaces: 1
  • Additional Parking
  • Carport
  • Door Single
  • Driveway
  • Garage
  • Gravel
  • Off Street
  • Outside
  • Oversized
  • Garage Faces Side

Lot

  • Back Yard
  • Interior Lot
  • Lawn
  • Landscaped
  • Rolling Slope
  • Many Trees
  • Few Trees

Community

Neighborhood

  • Subdivision: Lake Edge Harbor

Schools

  • District: Whitney ISD
  • Elementary: Whitney
  • Middle: Whitney
  • High: Whitney

Financial & listing details

Listing

  • Price per sq ft: $149
  • County: Hill
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,291/mo

Principal & interest
$1,731/mo
Property taxes (est.)
$448/mo
Homeowners insurance (est.)
$112/mo
Loan amount
$215,100
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. Self-employed, lower credit, ITIN, or turned down before? You may have another option.

Offered by HFP, powered by Doorly, only on this site, not by the seller or listing agent. Subject to underwriting and approval.

Get Pre-Qualified

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

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