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Financing available

$387,500

314 Clay Lane, Red Oak, TX 75154

3
beds
2
baths
2,132
sqft

Est. with seller financing: $3,318/mo

  • Single-family
  • Built in 1985
  • 25,003 sq ft lot
  • $182/sqft
  • Ellis County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Back on the market after a paint refresh, and looking better than ever! Spacious home on a large lot tucked near the end of a quiet dead-end street, offering privacy and plenty of room to spread out, all just minutes from Red Oak schools. Inside, you’ll find a functional layout with oversized bedrooms, a split floorplan, and a private ensuite master. A flexible formal dining room could easily serve as a second living area, office, or playroom. The kitchen offers abundant cabinet storage and generous counter space, opening to the main living areas for easy everyday living. Step outside to a huge backyard with plenty of space to enjoy the outdoors. The covered patio is perfect for relaxing or entertaining, overlooking the above-ground pool and wide-open yard. The home also features a side-entry attached garage along with an oversized covered parking area that can accommodate a boat, RV, or multiple vehicles. With its versatile layout, expansive lot, and quiet location, this 3 bedroom, 2 bathroom property offers a great opportunity to make it your own.

Facts & features

Interior

Features

  • Built In Features
  • Chandelier
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • Walk In Closets

Heating & cooling

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

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Gas Cooktop
  • Disposal
  • Gas Oven
  • Gas Water Heater
  • Microwave
  • Plumbed For Gas

Fireplace

  • Fireplaces: 1

Exterior & lot

Construction

  • Style: Detached
  • Stories: 1

Parking

  • Garage spaces: 2
  • Concrete
  • Carport
  • Driveway
  • Garage
  • Garage Door Opener
  • Rv Carport
  • Rv Access Parking
  • Garage Faces Side

Pool

  • Pool

Community

Neighborhood

  • Subdivision: Josey Acres

Schools

  • District: Red Oak ISD
  • Elementary: Wooden
  • Middle: Red Oak
  • High: Red Oak

Financial & listing details

Listing

  • Price per sq ft: $182
  • County: Ellis
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,318/mo

Principal & interest
$2,806/mo
Property taxes
$331/mo
Homeowners insurance (est.)
$181/mo
Loan amount
$348,750
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

Katie Miller

Real Broker, LLC

855-450-0442

MLS #
21241523

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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