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Financing available

$630,000

364 Private Road 6602, Mineola, TX 75773

4
beds
3
baths
2,428
sqft

Est. with seller financing: $5,339/mo

  • Single-family
  • Built in 1987
  • 52,446 sq ft lot
  • $259/sqft
  • $29/mo HOA
  • Wood County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Tucked away on a private, stocked lake, this rare country cottage offers the kind of peaceful waterfront living that’s getting harder and harder to find. Bass, catfish, and crappie fill the water, and your days can be spent fishing from the brand-new 40-foot pier with a 10x12 landing, completed in January 2026. The setting is truly serene—watch otters, ducks, herons, and even pelicans drift across the water, all while enjoying unforgettable sunset views over the lake. Inside, the home offers 4 bedrooms and 3 full baths with a flexible, well-designed layout. The primary suite is located on the main level and features a beautifully updated en-suite bath added in 2024. A second private suite upstairs provides excellent space for guests or multigenerational living. Two additional bedrooms are located downstairs, one currently used as a home office. Designed for both comfort and entertaining, the home features a spacious sunken living room with a brick fireplace and a large dining area positioned to take in sweeping lake views—perfect for hosting family and friends in every season. Outdoor living is just as impressive, with two back decks including a large partially covered deck with a screened-in sitting area ideal for year-round enjoyment. The 1.2-acre property transforms in spring and summer into a lush, manicured, park-like setting that feels almost like a private golf course. Additional features include an oversized attached garage and a 10x20 lofted storage building with double doors, windows overlooking the lake, and excellent potential as a workshop, studio, or hobby space. Conveniently located just 10 minutes to Mineola or Quitman, 20 minutes to Lindale, and about 35 minutes to Tyler, this property offers the perfect balance of privacy and accessibility. A peaceful lakefront retreat with space, updates, and unmatched views—this one is truly special.

Facts & features

Interior

Features

  • Multiple Master Suites
  • Multiple Staircases

Appliances

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

Fireplace

  • Fireplaces: 1
  • Masonry

Exterior & lot

Construction

  • Style: AFrame, Detached
  • Roof: Composition
  • Foundation: Slab

Parking

  • Garage spaces: 2
  • Direct Access

Community

Neighborhood

  • Subdivision: Sundowner

HOA

  • Sundowner Lake POA

Schools

  • District: Quitman ISD
  • Elementary: Quitman
  • Middle: Quitman
  • High: Quitman

Financial & listing details

Listing

  • Price per sq ft: $259
  • County: Wood
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,339/mo

Principal & interest
$4,562/mo
Property taxes
$454/mo
Homeowners insurance (est.)
$294/mo
HOA dues
$29/mo
Loan amount
$567,000
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

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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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Listing courtesy of Mckenna Warnick, Coldwell Banker Apex, REALTORS · MLS #21211854 ·

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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