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Financing available

$439,900

17224 Stella Maris Street, Winona, TX 75792

4
beds
3
baths
2,007
sqft

Est. with seller financing: $3,995/mo

  • Single-family
  • Built in 2022
  • 87,556 sq ft lot
  • $219/sqft
  • $75/mo HOA
  • Smith County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Tucked into the Veritatis Splendor community in a peaceful East Texas setting, this property offers a blend of space, comfort, and everyday functionality. Priced well below build cost, it presents a strong value opportunity in today’s market. Spray foam insulation enhances energy efficiency, improving air sealing, and helping reduce outside noise for a quieter interior environment. The home also features an engineered foundation, offering added structural confidence—an important distinction as many homes in Texas are not built with this level of reinforcement. A thoughtfully designed layout provides flexibility for both daily living and entertaining, with inviting living areas that feel open yet comfortable. Natural light carries throughout, creating a warm and welcoming atmosphere. The kitchen is positioned for both convenience and connection, offering ample workspace and storage while remaining open to key gathering areas. Bedrooms are well-proportioned, with a primary suite designed for privacy and relaxation. Additional rooms allow for a variety of uses including guest space, home office, or hobby areas. Outdoor features provide room to enjoy the surrounding landscape, whether for quiet mornings or casual gatherings. The setting offers a sense of privacy while still maintaining accessibility to nearby amenities, making it a practical option for a range of lifestyles. Located within Veritatis Splendor, the property benefits from a distinctive setting that emphasizes space, natural surroundings, and a quiet residential atmosphere. A well-balanced combination of setting, construction quality, and usability makes this property an appealing opportunity to create a home that fits your needs.

Facts & features

Interior

Features

  • Cable Tv

Heating & cooling

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

Flooring

  • Luxury Vinyl Plank

Appliances

  • Electric Oven
  • Electric Range
  • Microwave

Exterior & lot

Features

  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Composition
  • Foundation: Slab

Parking

  • Driveway

Lot

  • Subdivision

Community

Neighborhood

  • Subdivision: Veritatis Splendor

HOA

  • Veritatis Splendor

Schools

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

Financial & listing details

Listing

  • Price per sq ft: $219
  • County: Smith
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,995/mo

Principal & interest
$3,186/mo
Property taxes
$529/mo
Homeowners insurance (est.)
$205/mo
HOA dues
$75/mo
Loan amount
$395,910
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 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.

See If You Qualify

Listing courtesy of Charlotte Williams, Keller Williams Realty-Tyler · MLS #21332387 ·

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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