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Financing available

$239,000

140 Elm Road, Nocona, TX 76255

3
beds
2
baths
1,200
sqft

Est. with seller financing: $2,099/mo

  • Single-family
  • Built in 1955
  • 43,996 sq ft lot
  • $199/sqft
  • Montague County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Enjoy the peace and beauty of lake living in this charming 3-bedroom, 2-bath cottage-style home in Nocona Lake Estates. Whether you're looking for a full-time home, weekend getaway, or investment property, this home offers a great opportunity to enjoy everything Lake Nocona has to offer. Situated on spacious lots surrounded by beautiful mature shade trees, the property offers peaceful surroundings and scenic lake views. The fenced yard provides plenty of room for pets, children, entertaining, or simply relaxing outdoors and enjoying the setting. This home has been thoughtfully updated with numerous improvements, including a brand-new septic system, completed foundation repairs, new subflooring and flooring throughout, and mini-split systems for efficient heating and cooling. The updated kitchen features new cabinetry, a Kohler cast iron sink, new dishwasher and microwave, and a newly added kitchen bar that creates a great space for meals, gathering, and entertaining. The hall bathroom has also been remodeled with a new shower, toilet, and vanity. Additional updates include electrical and plumbing improvements, new light fixtures and faucets throughout, and fresh paint inside and out. An RV hookup has also been added outside for additional convenience. The home also has a current FHA appraisal with an appraised value of $277,000, providing valuable information for buyers considering this property. With its mature trees, lake views, fenced yard, spacious lots, and extensive list of recent updates, this cottage is ready for its next owner. Whether you're spending the weekend at the lake or making it your everyday home, you'll love the opportunity to slow down, relax, and enjoy lake life at Nocona Lake Estates.

Facts & features

Interior

Features

  • Eat In Kitchen
  • Natural Woodwork

Heating & cooling

  • Heating: Central
  • Cooling: Central Air

Appliances

  • Built In Refrigerator
  • Dishwasher
  • Electric Range

Exterior & lot

Construction

  • Style: Detached
  • Stories: 1
  • Materials: Rock, Stone, Wood Siding

Parking

  • Attached Carport
  • On Site

Lot

  • Waterfront
  • View: Water

Community

Neighborhood

  • Subdivision: Nocona Lake Estate

Schools

  • District: Prairie Valley ISD
  • Elementary: Prairie Va
  • Middle: Prairie Va
  • High: Prairie Va

Financial & listing details

Listing

  • Price per sq ft: $199
  • County: Montague
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,099/mo

Principal & interest
$1,731/mo
Property taxes
$256/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 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 Denise Thurman, The Real Estate Station- Saint Jo · MLS #21280238 · 940-464-1111

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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