Financing available

$300,000

2812 Spencer Circle, Royse City, TX 75189

3
beds: 2
baths: 1,897
sqft

Est. with seller financing: $2,828/mo

Single-family
Built in 2005
7,187 sq ft lot
$158/sqft
$33/mo HOA
Rockwall County

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Seller financing is available to qualified buyers.

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About this home

Lovely home in Royse City, limited number of homes available that back up to Fort Elementary School that do not come on the market often. This spacious 3 bedroom, 2 bathroom, 2 car garage house with an office or flex room make a great place to call home. The office was used as a media room and now a school room. A couple of features that make this a unique home is the paid off solar panels, board on board fence with a gate that opens to Fort Elementary, and outdoor living space. Every year this family added or upgraded some part of the home. Do not miss this home! Convenient to schools, restaurants, shopping, and I 30. Also available for sale is 2804 Spencer Circle, coming soon to MLS. Price adjustment due to human listing agent error.

Facts & features

Interior

Features

Granite Counters
High Speed Internet
Open Floorplan
Cable Tv

Heating & cooling

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

Flooring

Carpet
Ceramic Tile
Luxury Vinyl Plank

Appliances

Dishwasher
Electric Range
Disposal
Microwave

Laundry

Washer Hookup
Dryer Hookup
Electric Dryer Hookup
Laundry In Utility Room

Exterior & lot

Features

Storage

Construction

Style: Traditional, Detached
Stories: 1
Roof: Composition
Materials: Brick

Parking

Garage spaces: 2
Driveway
On Street

Pool

Community

Lot

Interior Lot
Subdivision
Few Trees

Community

Neighborhood

Subdivision: Woodland Creek Ph 1

HOA

Neighborhood Management Inc

Schools

District: Royse City ISD
Elementary: Fort
Middle: Royse City
High: Royse City

Financial & listing details

Listing

Price per sq ft: $158
County: Rockwall
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,828/mo

Down payment10% ($30,000)10%20%

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Principal & interest: $2,172/mo
Property taxes: $483/mo
Homeowners insurance (est.): $140/mo
HOA dues: $33/mo

Loan amount: $270,000
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
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

Listing information

Listing courtesy of

Jeff Bankhead

Williams Trew Real Estate

817-632-9500

MLS #: 21344597

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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