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Financing available

$530,000

3229 Francisco Bay Drive, Kerens, TX 75144

3
beds
2.5
baths
2,404
sqft

Est. with seller financing: $4,751/mo

  • Single-family
  • Built in 2007
  • 62,726 sq ft lot
  • $220/sqft
  • $100/mo HOA
  • Navarro County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to your private retreat in the highly sought-after gated community of Francisco Bay on Richland Chambers Lake. Situated on 1.44 beautifully treed acres, this exceptional property offers the perfect blend of peaceful country living and the lake lifestyle- all within an easy drive of the Dallas-Fort Worth Metroplex. From the moment you arrive, you’ll appreciate the mature trees, manicured landscape, and inviting curb appeal. Inside, the thoughtfully designed floor plan features spacious living areas filled with natural light, highlighted by a stunning floor-to-ceiling stone fireplace that creates a warm and welcoming gathering space. The well-appointed kitchen flows seamlessly into the living and dining areas, making it ideal for entertaining family and friends. The flexible upstairs living space offers endless possibilities as a game room, media room, guest suite, home office, or additional bedroom to fit your lifestyle. Step outside to enjoy the newly constructed deck overlooking your private backyard, where you can relax with your morning coffee, entertain guests, or simply enjoy the peaceful surroundings. With plenty of room to add a pool, workshop, guest house, or additional outdoor living space, this property offers the flexibility to create your own personal oasis. Residents of Francisco Bay enjoy the security of a gated community along with convenient access to Richland Chambers Lake, on of Texas’ premier recreational lakes, known for outstanding boating, fishing, and year-round outdoor enjoyment. Richland Chambers Lake is the third largest lake in Texas. Whether you’re searching for a full-time residence, a weekend lake retreat, or a place to create lasting memories with family and friends, this beautifully maintained home offers comfort, privacy and endless possibilities. Don’t miss this rare opportunity to own a move-in-ready home on acreage in one of Richland Chambers Lake’s most desirable communities. Schedule your private showing today!

Facts & features

Interior

Features

  • Double Vanity
  • Granite Counters
  • High Speed Internet

Heating & cooling

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

Flooring

  • Luxury Vinyl Plank
  • Tile

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Disposal
  • Microwave
  • Tankless Water Heater

Fireplace

  • Fireplaces: 1
  • Gas
  • Living Room
  • Masonry

Laundry

  • Electric Dryer Hookup
  • Gas Dryer Hookup

Exterior & lot

Features

  • Dog Run
  • Kennel
  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Slab
  • Materials: Brick, Rock, Stone

Parking

  • Garage spaces: 2
  • Additional Parking
  • Concrete
  • Driveway

Pool

  • Community

Lot

  • Acreage
  • Back Yard
  • Lawn
  • Many Trees
  • View: Water

Community

Neighborhood

  • Subdivision: Francisco Bay I

HOA

  • Francisco Bay

Schools

  • District: Kerens ISD
  • Elementary: Kerens
  • Middle: Kerens
  • High: Kerens

Financial & listing details

Listing

  • Price per sq ft: $220
  • County: Navarro
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,751/mo

Principal & interest
$3,838/mo
Property taxes
$566/mo
Homeowners insurance (est.)
$247/mo
HOA dues
$100/mo
Loan amount
$477,000
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

Tammy Barger

RE/MAX Landmark Rose

903-567-3100

MLS #
21322961

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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