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Financing available

$625,000

16285 W County Road 189, Flint, TX 75762

3
beds
3
baths
2,386
sqft

Est. with seller financing: $4,818/mo

  • Single-family
  • Built in 1997
  • 18,295 sq ft lot
  • $262/sqft
  • Smith County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

**Sellers are offering $10,000 in concessions to go towards buyer expenses!** Tucked away on a waterfront corner lot on Lake Palestine, this rare find offers the perfect mix of lake life and functionality. Located just minutes from Tyler with easy access to Hwy 155, plus nearby shopping and the new medical facility at the corner of 155 and 344, you’ll enjoy peaceful waterfront living without sacrificing convenience. Situated on just under half an acre, this 3-bedroom, 3-bath home features an open-concept living, dining, and kitchen area with rustic charm paired beautifully with updated modern finishes. The spacious living room is anchored by a fireplace and large windows that bring in natural light and scenic views. The kitchen offers generous prep and storage space, updated finishes, and a reverse osmosis system, while a separate office provides the perfect space for working from home, hobbies, or additional flex space. Outside is where this property truly shines. In addition to waterfront access and a boathouse, you’ll find a massive detached garage and shop with ample room for vehicles, equipment, hobbies, and workspace, complete with an engine service puller and water drain. The property is also well-equipped for RV owners with two hookups onsite. The boathouse also has an additional upper-level space that could serve as extra storage or a fun flex space (poker room perhaps?!). There’s also a storage shed with lean-to, a home generator, and hot tub - all staying with the property. A short drive to the public boat ramp makes getting out on the water even easier. Several recent updates add peace of mind, including a new bulkhead, a new septic pump, and a new mini splits in the guest bedrooms. This waterfront retreat is move-in ready from day one. Schedule your showing today!

Facts & features

Interior

Features

  • Open Floorplan
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Tile
  • Vinyl

Appliances

  • Dishwasher
  • Electric Range
  • Disposal
  • Microwave
  • Refrigerator

Fireplace

  • Fireplaces: 1
  • Wood Burning

Laundry

  • Laundry In Utility Room

Exterior & lot

Features

  • Outdoor Grill
  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Roof: Composition
  • Foundation: Slab
  • Materials: Rock, Stone, Wood Siding

Parking

  • Garage spaces: 2
  • Garage
  • Garage Door Opener
  • Garage Faces Side
  • Workshop In Garage

Lot

  • Corner Lot
  • Waterfront

Community

Neighborhood

  • Subdivision: MCKEETHAN

Schools

  • District: Bullard ISD
  • Elementary: Bullard
  • Middle: Bullard
  • High: Bullard

Financial & listing details

Listing

  • Price per sq ft: $262
  • County: Smith
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,818/mo

Principal & interest
$4,526/mo
Property taxes
Not available
Homeowners insurance (est.)
$292/mo
Loan amount
$562,500
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

Listing information

Listing courtesy of

Kayla Riggs

Keller Williams Realty-Tyler

903-534-6600

MLS #
21275266

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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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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