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Financing available

$399,900

1401 Arp Street, Commerce, TX 75428

5
beds
3
baths
3,700
sqft

Est. with seller financing: $3,083/mo

  • Single-family
  • Built in 1900
  • 23,827 sq ft lot
  • $108/sqft
  • Hunt County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

ASK ABOUT THE EXCLUSIVE LENDER INCENTIVE BEING OFFERED TO HELP WITH CLOSING COSTS OR A RATE BUYDOWN! Don’t miss this rare opportunity to own the first home ever built in Commerce! This beautifully restored 5-bedroom, 3-bath historic home blends timeless character with modern updates throughout. Situated on a .55-acre lot, the property INCLUDES a 1,000 sq ft SHOP, partial wood fencing, and standout curb appeal with a wraparound porch and mature landscaping. The first floor features an oversized primary suite with a large walk-in closet and ensuite bath offering a jetted tub, dual sinks, granite countertops, and separate shower. A conveniently located laundry room sits just off the primary. The kitchen is open to the living room, perfect for entertaining, and showcases granite countertops, an island, pantry, contemporary cabinetry, pot filler, and new stainless-steel appliances. Also on the first floor are a flexible dining or second living area, two additional bedrooms, and another full bathroom. Upstairs, you'll find 2 spacious bedrooms with walk-in closets and a Jack & Jill bathroom. Located Downtown and very close to East Texas A&M University Commerce. Easy access to major highways and larger cities! New Survey has been completed!

Facts & features

Interior

Features

  • Chandelier
  • Cathedral Ceilings
  • Decorative Designer Lighting Fixtures
  • Granite Counters
  • High Speed Internet
  • Kitchen Island
  • Loft
  • Pantry
  • Paneling Wainscoting
  • Cable Tv
  • Vaulted Ceilings
  • Natural Woodwork
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Tile
  • Wood

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Electric Water Heater
  • Plumbed For Gas
  • Refrigerator
  • Vented Exhaust Fan
  • Water Purifier

Exterior & lot

Features

  • Storage

Construction

  • Style: Craftsman, Detached, Historic Antique
  • Stories: 2
  • Roof: Composition, Shingle
  • Foundation: Pillar Post Pier

Parking

  • Concrete
  • Driveway
  • Off Street
  • Parking Pad

Lot

  • Acreage
  • Corner Lot
  • Level
  • Few Trees

Community

Neighborhood

  • Subdivision: Orig Town Of Commerce

Schools

  • District: Commerce ISD
  • Elementary: Commerce
  • Middle: Commerce
  • High: Commerce

Financial & listing details

Listing

  • Price per sq ft: $108
  • County: Hunt
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,083/mo

Principal & interest
$2,896/mo
Property taxes
Not available
Homeowners insurance (est.)
$187/mo
Loan amount
$359,910
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 (not available for this home) 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 Shayla Eadler, Ten Twenty Realty LLC · MLS #21154017 ·

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. Information is deemed reliable but not guaranteed and should be independently verified. Last updated Oct 9, 2026.

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