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Financing available

$800,000

346 Smith Oak Road, Sherman, TX 75090

4
beds
3
baths
2,787
sqft

Est. with seller financing: $6,615/mo

  • Single-family
  • Built in 1972
  • 2,094,800 sq ft lot
  • $287/sqft
  • Grayson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

This exceptional 48-acre property offers a rare opportunity to own an undivided piece of Texas land that has been held by the same family since 1965. Rich in natural beauty, Choctaw Creek meanders through the eastern side of the wooded acreage, while terraced pastures, rolling hills, and mature Pecan, Oak, and Cottonwood trees create a picturesque landscape. Native vegetation provides a natural habitat for an abundance of wildlife, further enhancing the peaceful, country setting. Beautiful vistas stretch across the property, providing an ideal backdrop for building a custom home or renovating the existing family homestead. The 2,787-square-foot, 4-bedroom, 3-bath home enjoys sweeping 360-degree views and spectacular Texas sunsets. Whether your vision includes raising livestock, baling hay, tackling outdoor projects, or simply relaxing and taking in the scenery, this versatile property offers endless possibilities and a remarkable sense of tranquility. For those needing additional space for hobbies or projects, the detached 2-car garage offers an excellent workshop option while allowing the attached 2-car garage to remain available for parking. Adding to the property's appeal, Highway 82 borders the north side and Highway 56 borders the south, providing convenient access to Sherman, Denison, and McKinney. Outdoor recreation is also within easy reach, with Lake Bonham, Lake Texoma, and Bois D'Arc Lake approximately 30 minutes away and North DFW just 45 minutes away. Ag-exempt with NO city taxes, this one-of-a-kind property combines the beauty and freedom of rural living with convenient access to the amenities of the suburbs.

Facts & features

Interior

Features

  • Built In Features
  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Kitchen Island
  • Pantry
  • Paneling Wainscoting
  • Cable Tv
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile

Appliances

  • Double Oven
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Electric Water Heater
  • Disposal
  • Microwave
  • Refrigerator

Fireplace

  • Fireplaces: 1
  • Living Room
  • Raised Hearth
  • Wood Burning Stove

Laundry

  • Dryer Hookup
  • Electric Dryer Hookup
  • In Hall

Exterior & lot

Construction

  • Style: Split Level, Traditional, Detached
  • Roof: Composition, Shingle
  • Foundation: Slab
  • Materials: Brick, Wood Siding

Parking

  • Garage spaces: 4
  • Door Multi
  • Garage Faces Side

Lot

  • Acreage
  • Agricultural
  • Cleared
  • Hardwood Trees
  • Pasture
  • Rolling Slope
  • Many Trees
  • Wooded
  • Waterfront

Community

Neighborhood

  • Subdivision: Sherman Southeast Rural

Schools

  • District: Sherman ISD
  • Elementary: Dillingham
  • Middle: Sherman
  • High: Sherman

Financial & listing details

Listing

  • Price per sq ft: $287
  • County: Grayson
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$6,615/mo

Principal & interest
$5,793/mo
Property taxes
$449/mo
Homeowners insurance (est.)
$373/mo
Loan amount
$720,000
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

JD Tomlin

eXp Realty

888-519-7431

MLS #
21364281

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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