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Financing available

$354,999

339 Cross Tie Ranch Road, Trinidad, TX 75163

3
beds: 2.5
baths: 2,026
sqft

Est. with seller financing: $3,411/mo

Single-family
Built in 2026
19,210 sq ft lot
$175/sqft
$8/mo HOA
Henderson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

**!!ZERO PERCENT DOWN FINANCING AVAILABLE!!** No first-time homebuyer requirement. Qualified buyers may be eligible for a USDA loan with competitive interest rates and little to no money out of pocket. ** !!SELF-EMPLOYMENT FRIENDLY FINANCING!!** Ask how! Stunning 3-bedroom, 2.5 bath modern farmhouse new construction. Featuring board-and-batten siding with stone accents and a welcoming covered entry, this home blends timeless curb appeal with contemporary luxury. Close to Cedar Creek Lake with easy access to nearby marinas and boat ramps, enjoy lake life just minutes away. Inside, enjoy a bright open-concept layout with designer finishes throughout, including two-tone cabinetry, quartz countertops, a bold black subway tile backsplash, matte black fixtures, and built-in stainless appliances. The spacious living area is anchored by a breathtaking floor-to-ceiling fireplace feature wall, creating the perfect statement centerpiece for entertaining or relaxing. The private primary suite includes a large walk-in closet and spa-inspired bath with dual vanities and modern finishes. Two additional bedrooms provide flexibility for guests, family, or a home office. Complete with a 2-car garage and modern craftsmanship throughout, this home is the perfect blend of farmhouse charm and upscale design.

Facts & features

Interior

Features

Kitchen Island
Open Floorplan
Pantry
Vaulted Ceilings

Appliances

Dishwasher
Electric Cooktop
Electric Range
Disposal

Fireplace

Fireplaces: 1
Electric
Family Room

Exterior & lot

Construction

Style: Contemporary Modern, Detached
Stories: 1
Roof: Composition
Foundation: Slab
Materials: Rock, Stone, Vinyl Siding, Wood Siding

Parking

Garage spaces: 2
Driveway
Garage

Community

Neighborhood

Subdivision: Key Ranch Estates #3

HOA

Key Ranch Estates POA

Schools

District: Malakoff ISD
Elementary: Tool
Middle: Malakoff
High: Malakoff

Financial & listing details

Listing

Price per sq ft: $175
County: Henderson
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,411/mo

Down payment10% ($35,500)10%20%

Check Your Financing Options

Principal & interest: $2,571/mo
Property taxes (est.): $666/mo
Homeowners insurance (est.): $166/mo
HOA dues: $8/mo

Loan amount: $319,499
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
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
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
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 Nestor Nemecio Mora, eXp Realty LLC · MLS #21338835 · 888-519-7431

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.