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Financing available

$880,000

136 Private Road 197, Streetman, TX 75859

3
beds
2.5
baths
2,106
sqft

Est. with seller financing: $7,392/mo

  • Single-family
  • Built in 2023
  • 35,109 sq ft lot
  • $418/sqft
  • Freestone County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Escape to lake life with this beautifully furnished waterfront retreat on a protected cove of Richland Chambers Lake! This must see property offers the perfect combination of peaceful lakefront living and easy access to open water. Whether you're looking for a full time residence, weekend getaway, or turnkey vacation rental, this home is ready to enjoy from day one. This stunning 3 bedroom, 2.5 bath home features an open floor plan designed for entertaining and relaxed lake living. The gourmet kitchen showcases an oversized island, granite countertops, tons of cabinet and counter space, and seamlessly flows into the main living and dining areas. Beautiful stained concrete flooring runs throughout the home, offering durability and modern lake house style. Tons of windows fill the home with natural light, creating a light and bright atmosphere throughout. The spacious primary suite offers an ensuite spa-like bath, equipped with oversized walk in shower with rain shower head and a soaking tub, ideal for unwinding. Generous size guest rooms provide comfort for family and visitors alike. Step outside to a massive outdoor living space built for entertaining, complete with room for gatherings, grilling, and enjoying long lake days. The property includes a private dock with boat slip, pergola, and fire pit making lake access effortless for boating, fishing, and water recreation. This home is being sold fully furnished, allowing you to move right in or begin generating rental income immediately. Enjoy relaxing mornings overlooking the water, fishing from your backyard, boating, kayaking, and unforgettable sunsets from your own private lakeside escape. Situated on just under an acre and outside the city limits, you'll appreciate the added flexibility and fewer restrictions while still being conveniently located just over an hour from the DFW Metroplex. Don't miss this rare opportunity to own a move-in-ready waterfront property on one of Texas premier recreational lakes.

Facts & features

Interior

Features

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

Heating & cooling

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

Flooring

  • Concrete
  • Painted Stained

Appliances

  • Dishwasher
  • Electric Range
  • Electric Water Heater
  • Disposal

Fireplace

  • Fireplaces: 1
  • Living Room
  • Propane

Laundry

  • Electric Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Boat Slip
  • Covered Courtyard
  • Dock
  • Fire Pit
  • Lighting
  • Outdoor Living Area
  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Slab
  • Materials: Rock, Stone

Parking

  • Driveway
  • Gravel

Lot

  • Back Yard
  • Cleared
  • Lawn
  • Landscaped
  • Many Trees
  • Sprinkler System
  • Waterfront
  • Retaining Wall
  • View: Water

Community

Neighborhood

  • Subdivision: Cape Estes

Schools

  • District: Fairfield ISD
  • Elementary: Fairfield
  • Middle: Fairfield
  • High: Fairfield

Financial & listing details

Listing

  • Price per sq ft: $418
  • County: Freestone
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$7,392/mo

Principal & interest
$6,373/mo
Property taxes
$608/mo
Homeowners insurance (est.)
$411/mo
Loan amount
$792,000
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

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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 Jennifer Fleming, Wofford Realty · MLS #21321746 · 817-918-4303

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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