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Financing available

$456,000

3704 Gardenia Lane, McKinney, TX 75070

4
beds
2.5
baths
2,944
sqft

Est. with seller financing: $4,259/mo

  • Single-family
  • Built in 1999
  • 7,405 sq ft lot
  • $155/sqft
  • $33/mo HOA
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to a beautifully spacious 2,944 sq. ft. home in McKinney, Texas, thoughtfully designed for comfortable everyday living, entertaining, and making lasting family memories. Ideally located with convenient access for traveling both north and south, this home offers the perfect blend of space, functionality, and location.Inside, you’ll find four generously sized bedrooms, including a spacious primary suite with a generous sized walk-in closet and a private office conveniently located on the first floor. Upstairs are three additional bedrooms, providing plenty of room for family, guests, hobbies, or a growing household. With three separate living areas and two dining areas, there is no shortage of space to gather, relax, entertain, or simply enjoy a little privacy. A welcoming fireplace adds warmth and character to the main living space, creating the perfect setting for cozy evenings at home. Step outside and discover a backyard with a peaceful, inviting atmosphere, surrounded by plants and greenery. It’s a wonderful space to unwind, enjoy your morning coffee, entertain friends, or simply take in the tranquility of your own outdoor retreat. And for families who love to get outside, the location is hard to beat. Just one-third of a mile from a large neighborhood park, you’re within an easy walk of amenities including a splash pad, zip line, basketball court, and plenty of opportunities for family fun and outdoor play. With generous living spaces, a flexible floor plan, a serene backyard, and a location that makes getting around McKinney and beyond convenient, this home offers more than just square footage — it offers room to live, connect, relax, and create memories. Come see why this McKinney home could be the perfect place for your next chapter.

Facts & features

Interior

Features

  • Eat In Kitchen
  • Kitchen Island
  • Cable Tv

Heating & cooling

  • Heating: Central
  • Cooling: Central Air

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Microwave
  • Refrigerator

Fireplace

  • Fireplaces: 1
  • Wood Burning

Laundry

  • In Kitchen

Exterior & lot

Construction

  • Style: Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Slab
  • Materials: Brick

Parking

  • Garage spaces: 2
  • Alley Access
  • Driveway
  • Garage
  • On Site

Community

Neighborhood

  • Subdivision: Eldorado Heights Sec II Ph VI

HOA

  • Eldorado Heights II Homeowners association

Schools

  • District: McKinney ISD
  • Elementary: Johnson
  • Middle: Evans
  • High: Mckinney

Financial & listing details

Listing

  • Price per sq ft: $155
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,259/mo

Principal & interest
$3,302/mo
Property taxes
$711/mo
Homeowners insurance (est.)
$213/mo
HOA dues
$33/mo
Loan amount
$410,400
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

Jessica Orr

Avignon Realty

972-792-0004

MLS #
21354445

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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