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Financing available

$349,000

2820 Saddlebred Trail, Celina, TX 75009

4
beds
2
baths
1,941
sqft

Est. with seller financing: $3,364/mo

  • Single-family
  • Built in 2004
  • 7,405 sq ft lot
  • $180/sqft
  • $67/mo HOA
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

**PRICED AGGRESSIVELY** This beautiful one-story home in Carter Ranch offers four bedrooms and two bathrooms with a smart, updated layout. The front bedroom, currently used as an office, features chair molding and a walk-in closet, providing flexible space to fit your needs. The kitchen stands out with granite countertops, soft grey cabinetry, black hardware, and electric appliances—including a combined cooktop and oven, built-in microwave, and dishwasher. A spacious walk-in pantry and utility room are combined for added convenience. Just off the kitchen, the living area features sloped ceilings and a cream-toned corner gas fireplace, creating a warm and inviting atmosphere. Decorative lighting throughout the home adds an elevated finish to every space. All bedrooms include walk-in closets, and the primary suite features a private bath with dual decorative sinks, circular mirrors, and a tub-shower combo with neutral tile. Waterproof luxury vinyl flooring has been recently installed throughout the entire home—with zero carpet anywhere—offering both durability and a clean, modern look. Out back, the generously sized yard provides a blank canvas, ready for relaxing, entertaining, or future plans.

Facts & features

Interior

Features

  • Chandelier
  • Decorative Designer Lighting Fixtures
  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Pantry
  • Cable Tv
  • Walk In Closets
  • Wired For Sound

Heating & cooling

  • Heating: Fireplaces, Natural Gas
  • Cooling: Central Air, Ceiling Fans, Electric

Flooring

  • Luxury Vinyl Plank
  • Tile

Appliances

  • Dishwasher
  • Electric Range
  • Disposal
  • Microwave

Fireplace

  • Fireplaces: 1
  • Gas
  • Gas Log
  • Living Room

Exterior & lot

Features

  • Lighting
  • Rain Gutters

Construction

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

Parking

  • Garage spaces: 2
  • Concrete
  • Door Single
  • Driveway
  • Garage Faces Front
  • Garage
  • Garage Door Opener
  • Lighted

Lot

  • Interior Lot
  • Landscaped
  • Subdivision
  • Sprinkler System
  • Few Trees

Community

Neighborhood

  • Subdivision: Carter Ranch-Phase I The

HOA

  • CMA Home Management

Schools

  • District: Celina ISD
  • Elementary: O'Dell
  • Middle: Jerry & Linda Moore
  • High: Celina

Financial & listing details

Listing

  • Price per sq ft: $180
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,364/mo

Principal & interest
$2,527/mo
Property taxes
$607/mo
Homeowners insurance (est.)
$163/mo
HOA dues
$67/mo
Loan amount
$314,100
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

Cindy Kennedy

Ebby Halliday, REALTORS

972-893-3130

MLS #
21403560

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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