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Financing available

$219,000

1322 Sears Street W, Denison, TX 75020

3
beds
2
baths
1,364
sqft

Est. with seller financing: $2,046/mo

  • Single-family
  • Built in 1920
  • 7,492 sq ft lot
  • $161/sqft
  • Grayson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to the heart of Denison, where historic charm meets modern convenience! This beautifully updated 3 bedroom, 2 bath home offers the perfect opportunity for homeowners, investors, or those seeking a weekend getaway near Lake Texoma. This thoughtfully updated home features an open concept layout with the primary bedroom at the rear of the home away from all other rooms. The vaulted ceiling entering the home is a show stopper! Updated tile and vanities in the bathrooms brings life back to this home. Enjoy vinyl plank flooring throughout bringing a cohesive design and easy clean up for rental opportunities. This is one you do not want to miss! Location is everything, and this property delivers! Located within walking distance of Downtown Denison, known for its recently revitalized Main Street filled with locally owned restaurants, coffee shops, boutiques, breweries, live music, and year round community events. Whether you’re looking for a night out or a leisurely weekend stroll, downtown is just minutes from your front door. Commuters will also appreciate the quick 5 minute access to Highway 75, making travel to Sherman, McKinney, and the DFW Metroplex convenient and efficient. Not to mention the quick proximity to Oklahoma and Choctaw Casinos & Resorts. Outdoor enthusiasts will love being just a short drive from Lake Texoma, one of Texas’ premier recreational destinations. Offering boating, fishing, camping, hiking, and waterfront dining bringing the appeal for vacationers. With Denison’s growing popularity and proximity to the lake, this property presents an excellent opportunity as a primary residence, second home, long-term rental, or potential investment property. Refrigerator in kitchen stays with home, conveniently one less thing to have to bring in! Don’t miss your opportunity to own a piece of historic Denison with modern updates, investment potential, and an unbeatable location and price!

Facts & features

Interior

Features

  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Vaulted Ceilings
  • Walk In Closets

Heating & cooling

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

Flooring

  • Luxury Vinyl Plank

Appliances

  • Convection Oven
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Electric Water Heater
  • Disposal
  • Microwave

Exterior & lot

Construction

  • Style: Detached
  • Stories: 1
  • Foundation: Pillar Post Pier

Parking

  • Alley Access

Community

Neighborhood

  • Subdivision: Millers 2nd Addition

Schools

  • District: Denison ISD
  • Elementary: Terrell
  • Middle: Henry Scott
  • High: Denison

Financial & listing details

Listing

  • Price per sq ft: $161
  • County: Grayson
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,046/mo

Principal & interest
$1,586/mo
Property taxes
$358/mo
Homeowners insurance (est.)
$102/mo
Loan amount
$197,100
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 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 Sarah Stewart, Keller Williams Prosper Celina · MLS #21309903 · 972-382-8882

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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