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Financing available

$434,000

314 Oak Creek Drive, Tool, TX 75143

4
beds
2.5
baths
2,039
sqft

Est. with seller financing: $4,160/mo

  • Single-family
  • Built in 2024
  • 18,731 sq ft lot
  • $213/sqft
  • Henderson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Enjoy the perks of lake living with community boat ramp access from this modern new construction 4-bedroom, 2.5-bath home in Arnold Hills. Set on a spacious .43-acre double lot, the property features drought-resistant rock landscaping and extended concrete walkways surrounding the home. Inside, the open layout showcases tall ceilings, large windows, and durable wood-look luxury vinyl plank flooring throughout the main areas. The kitchen includes granite countertops, stainless steel appliances (refrigerator included), a large island with storage, and a walk-in pantry with custom shelving. The private primary suite on the main level offers serene views of the yard and mature trees, a spa-like bath with dual vanities, and a walk-in tile shower with a glass door. Each bedroom is equipped with a California Closet system for organization and efficiency. The insulated 480-sq-ft garage offers flexibility for use as a workshop, gym, or potential future living space. Additional peace of mind comes with a 5-year structural builder warranty, along with warranties in place for the roof and HVAC systems. Residents enjoy access to the community boat ramp and pickleball court—capturing the lake lifestyle without the waterfront price.

Facts & features

Interior

Features

  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • Kitchen Island
  • Pantry
  • Walk In Closets

Heating & cooling

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

Flooring

  • Luxury Vinyl Plank

Appliances

  • Dishwasher
  • Electric Water Heater
  • Microwave
  • Refrigerator

Exterior & lot

Construction

  • Style: Ranch, Traditional, Detached
  • Stories: 1
  • Roof: Composition, Shingle
  • Foundation: Slab
  • Materials: Fiber Cement

Parking

  • Garage spaces: 2
  • Concrete
  • Door Multi
  • Garage
  • Garage Door Opener

Lot

  • Back Yard
  • Lawn
  • Landscaped
  • Level
  • Few Trees

Community

Neighborhood

  • Subdivision: Arnold Hills Sub

HOA

  • Arnold Hills HOA

Schools

  • District: Mabank ISD
  • Elementary: Mabank
  • Middle: Mabank
  • High: Mabank

Financial & listing details

Listing

  • Price per sq ft: $213
  • County: Henderson
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,160/mo

Principal & interest
$3,143/mo
Property taxes (est.)
$814/mo
Homeowners insurance (est.)
$203/mo
Loan amount
$390,600
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 estimated at 2.25% of the price because this listing has no full-year tax amount (common for new construction); actual taxes may differ 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.

Location

Love this home?Let's find a way to make it yours.

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A traditional mortgage isn't the only way to buy a home.

If you're self-employed, have a lower credit score, use an ITIN, or have been turned down for a mortgage, you may have another option.

Our financing program has different qualification guidelines for eligible buyers. Check your options before you rule out this home.

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. 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. 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. 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 Debbie French, Ebby Halliday Realtors · MLS #21244881 · 903-340-8590

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.

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