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Financing available

$249,900

16730 E FM 16, Winona, TX 75792

4
beds
2
baths
2,024
sqft

Est. with seller financing: $2,396/mo

  • Single-family
  • Built in 2000
  • 94,961 sq ft lot
  • $123/sqft
  • Smith County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Come take a look at this charming 4-bedroom, 2-bath home nestled on 2.18 acres in Winona! Offering 2,024 square feet of living space, this home features generously sized rooms and a comfortable, functional layout with plenty of room for everyday living, family gatherings, and hosting guests. The living room stands out with its vaulted ceiling, creating an open feel, while the kitchen offers ample cabinetry, a breakfast bar for casual meals, and a dining nook for gathering around the table. The spacious primary bedroom features an ensuite bath with a garden tub, separate shower, and plenty of vanity space, while each additional bedroom offers room to spread out. Outside, enjoy the beautiful acreage, along with a 20x39 back deck added in 2025 -perfect for relaxing or entertaining. A 28x30 shop with electricity and a concrete pad provides extra space for projects, storage, or hobbies. The property also features a metal roof replaced in 2020 and a water heater replaced in 2023. A convenient carport adds covered parking, and the location provides easy access to both Winona and Tyler. If you've been looking for a home with room to spread out and beautiful acreage, this one is for you! Schedule your showing today.

Listing courtesy of Kayla Riggs, Keller Williams Realty-Tyler · MLS #21400311 · 903-534-6600

Facts & features

Interior

Features

  • Eat In Kitchen

Heating & cooling

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

Flooring

  • Carpet
  • Laminate

Appliances

  • Dishwasher
  • Electric Range
  • Electric Water Heater
  • Microwave

Exterior & lot

Features

  • Deck
  • Rain Gutters
  • Storage

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Composition
  • Foundation: Pillar Post Pier

Parking

  • Carport
  • Garage Faces Front

Lot

  • Subdivision
  • Sloped

Community

Neighborhood

  • Subdivision: CRAWFORD

Schools

  • District: Winona ISD
  • Elementary: Winona
  • Middle: Winona
  • High: Winona

Financial & listing details

Listing

  • Price per sq ft: $123
  • County: Smith
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,396/mo

Principal & interest
$1,810/mo
Property taxes (est.)
$469/mo
Homeowners insurance (est.)
$117/mo
Loan amount
$224,910
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 estimated at 2.25% of the price because this listing has no full-year tax amount (common for new construction); actual taxes may differ 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. Self-employed, lower credit, ITIN, or turned down before? You may have another option.

Offered by HFP, powered by Doorly, only on this site, not by the seller or listing agent. Subject to underwriting and approval.

Get Pre-Qualified

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

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