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Financing available

$550,000

2638 Valley Creek Trail, McKinney, TX 75072

3
beds
2
baths
2,283
sqft

Est. with seller financing: $5,047/mo

  • Single-family
  • Built in 1989
  • 8,712 sq ft lot
  • $241/sqft
  • $33/mo HOA
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Enjoy beautiful views of the second-hole fairway at Eldorado Country Club from this impeccably maintained, single-story home. With three bedrooms, two baths, and a flexible study, the open floor plan pairs comfortable everyday living with tasteful updates throughout. Luxury vinyl plank flooring flows through the kitchen, family room, primary suite, and study. The kitchen features paint-grade cabinetry, granite countertops, and stainless steel appliances, including double ovens. In the family room, a cozy brick fireplace and windows overlooking the patio create a warm, inviting place to gather. The primary suite is a peaceful retreat, with a wall of windows framing gorgeous golf course views. Its ensuite bath offers dual vanities, a frameless shower, jetted tub, and a walk-in closet. Just next door, the study can serve as an exercise studio, nursery, or craft room. Two additional bedrooms share a full bath. Conveniently located near sought-after Valley Creek Elementary and Highway 75 for an easy commute to the Metroplex. Guardian Garage Floors coating was installed in September 2026.

Facts & features

Interior

Features

  • Eat In Kitchen
  • Granite Counters
  • Cable Tv
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Plank

Appliances

  • Double Oven
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Disposal
  • Gas Water Heater
  • Microwave

Fireplace

  • Fireplaces: 1
  • Masonry

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Construction

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

Parking

  • Garage spaces: 2
  • Driveway
  • Epoxy Flooring
  • Garage
  • Garage Faces Rear

Lot

  • Interior Lot
  • Landscaped
  • On Golf Course
  • Subdivision
  • Sprinkler System
  • Few Trees

Community

Neighborhood

  • Subdivision: Sunset Ridge Ph I

HOA

  • Greenhouse Management

Schools

  • District: McKinney ISD
  • Elementary: Valley Creek
  • Middle: Faubion
  • High: Mckinney

Financial & listing details

Listing

  • Price per sq ft: $241
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,047/mo

Principal & interest
$3,983/mo
Property taxes
$774/mo
Homeowners insurance (est.)
$257/mo
HOA dues
$33/mo
Loan amount
$495,000
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

Listing information

Listing courtesy of

Pamela Schelldorf

Ebby Halliday Realtors

972-562-3969

MLS #
21406627

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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