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Financing available

$539,900

3233 Francisco Bay Drive, Kerens, TX 75144

3
beds
2
baths
1,904
sqft

Est. with seller financing: $4,802/mo

  • Single-family
  • Built in 2023
  • 30,928 sq ft lot
  • $284/sqft
  • $83/mo HOA
  • Navarro County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Discover refined lakeside luxury in this exceptional 2023 custom-built residence, perfectly situated on a spacious .71-acre lot in the prestigious Francisco Bay community. Thoughtfully designed with both elegance and durability in mind, this home features a stone coated steel roof, classic exterior window shutters, and high-end finishes throughout. Inside, soaring ceilings and an open-concept layout create an inviting atmosphere filled with natural light. The gourmet kitchen is truly a showpiece, offering custom wood cabinetry with crown molding, an oversized island, stainless steel appliances, and an extraordinary walk-in pantry complete with its own center island, offering unmatched storage and prep space. The expansive living and dining areas flow seamlessly for effortless entertaining. The private primary suite offers a spa-inspired walk-in shower and large walk-in closet with built-in Chester-drawers, while additional bedrooms provide comfort and flexibility for guests, family, or a home office. A versatile tornado shelter basement adds valuable bonus space ideal for storage, a game room a workout area, or future customization. Outdoors, the property truly shines with a separate storage building with electricity perfectly suited for boat storage, workshop space, or hobby shop a rare and highly desirable feature in this lakeside community. With close proximity to the private community boat ramp, you’ll enjoy easy access to the water and the ultimate lake lifestyle. Residents of Francisco Bay enjoy exclusive amenities including a community pool, pavilion, and gated entry. This extraordinary property offers luxury, function, and the perfect blend of comfort and lake living. Don’t miss out on this incredible opportunity bring your buyers they will not be disappointed.

Facts & features

Interior

Features

  • Built In Features
  • Decorative Designer Lighting Fixtures
  • High Speed Internet
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Natural Woodwork
  • Walk In Closets

Heating & cooling

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

Flooring

  • Ceramic Tile
  • Engineered Hardwood

Appliances

  • Electric Range
  • Disposal

Fireplace

  • Fireplaces: 1
  • Decorative
  • Gas Log
  • Masonry

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Electric Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Rain Gutters
  • Storage

Construction

  • Style: Spanish, Detached
  • Stories: 1
  • Roof: Concrete
  • Foundation: Slab
  • Materials: Stucco

Parking

  • Garage spaces: 3
  • Covered
  • Door Multi
  • Door Single
  • Garage
  • Garage Door Opener
  • Garage Faces Side

Lot

  • Back Yard
  • Interior Lot
  • Lawn
  • Landscaped
  • Subdivision
  • Sprinkler System
  • Few Trees

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: $284
  • County: Navarro
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,802/mo

Principal & interest
$3,910/mo
Property taxes
$557/mo
Homeowners insurance (est.)
$252/mo
HOA dues
$83/mo
Loan amount
$485,910
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

Want to buy this home with seller financing?
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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.

See If You Qualify

Listing courtesy of Fernando Ramsey, Century 21 Mike Bowman, Inc. · MLS #21163433 ·

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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