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Financing available

$399,500

1812 Fair Oaks Lane, Royse City, TX 75189

4
beds: 2.5
baths: 2,390
sqft

Est. with seller financing: $3,844/mo

Single-family
Built in 2015
11,326 sq ft lot
$167/sqft
$54/mo HOA
Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Charming Waterfront 4-bedroom, 2.5 bath home with an open floor plan that’s perfect for entertaining. Located in the sought-after Hidden Creek Estates community, this home features a dedicated office, a convenient mudroom, and a large covered back patio ideal for entertaining. You can fish or kayak in the pond just steps from your back patio! Don't miss the 12x8 workshop-shed with electricity. Plus, enjoy resort-style amenities included with the HOA, such as sand volleyball courts, tennis courts, a swimming pool, and a playground. This is truly a place to call home.

Facts & features

Interior

Features

Decorative Designer Lighting Fixtures
Eat In Kitchen
Granite Counters
High Speed Internet
Kitchen Island
Open Floorplan
Pantry
Cable Tv
Walk In Closets

Heating & cooling

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

Flooring

Carpet
Wood

Appliances

Dishwasher
Gas Cooktop
Disposal
Gas Water Heater
Microwave

Fireplace

Fireplaces: 1
Gas Starter
Masonry
Wood Burning

Exterior & lot

Features

Deck
Rain Gutters
Storage

Construction

Style: Traditional, Detached
Stories: 1
Roof: Composition
Foundation: Slab
Materials: Brick, Rock, Stone

Parking

Garage spaces: 2
Epoxy Flooring
Garage
Garage Faces Side

Pool

Community

Community

Neighborhood

Subdivision: Hidden Creek Estates 2

HOA

Village Association Management LLC

Schools

District: Royse City ISD
Elementary: Davis
Middle: Ouida Baley
High: Royse City

Financial & listing details

Listing

Price per sq ft: $167
County: Collin
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,844/mo

Down payment10% ($39,950)10%20%

See If You Qualify

Principal & interest: $2,893/mo
Property taxes: $711/mo
Homeowners insurance (est.): $186/mo
HOA dues: $54/mo

Loan amount: $359,550
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
Get qualified
We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.
2
Pick this home
Once you're approved, tell us this is the one. We handle the purchase from the seller.
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

Your next home may have more than one path to ownership.

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Finding the right home is half the equation. Financing that works for your situation is the other half. This home may be eligible for our seller financing, also called owner financing, an option for buyers a traditional mortgage hasn't worked for.

It may be worth a look if you:

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
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
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
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 Spencer Sherrard, Regal, REALTORS · MLS #21361753 · 972-771-6970

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.