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Financing available

$409,900

38093 Misty Ridge Drive, Whitney, TX 76692

3
beds
2.5
baths
2,453
sqft

Est. with seller financing: $4,111/mo

  • Single-family
  • Built in 2025
  • 7,100 sq ft lot
  • $167/sqft
  • $183/mo HOA
  • Hill County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Enjoy golf course living in this 3-bedroom, 2.5 bath home overlooking the 16th fairway of the Old Course in White Bluff Resort, a gated community on Lake Whitney. The open-concept layout connects the living room, dining area, and breakfast nook, with a kitchen featuring quartz countertops, a pot filler, and soft-close cabinetry. A split-bedroom floor plan provides privacy, while the spacious primary suite includes dual vanities and a generous walk-in closet. The large back patio offers a wooded setting and golf course views, ideal for relaxing or entertaining. Community amenities include 24-hour security, two golf courses, swimming pools, tennis courts, lake access with its own marina, and so much more. The property uses HILCO Electric and Midway water for utilities. The home is on a grinder septic maintained by the POA. For more information, please contact the POA office. REO property sold AS IS, WHERE IS, WITH ALL FAULTS. Seller has not occupied the property, has limited knowledge of its condition, and makes no representations or warranties. Seller will not make repairs. Buyer to independently inspect and verify property condition, square footage, systems, HOA information, and all other material detail. Seller’s REO As-Is Addendum applies and controls in the event of a conflict with the purchase contract.

Listing courtesy of Danna Guille-Chavez, The Agency Waco · MLS #21409838 · 254-300-4034

Facts & features

Interior

Features

  • Cathedral Ceilings
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Luxury Vinyl Plank
  • Tile

Appliances

  • Dishwasher
  • Electric Oven
  • Electric Range
  • Disposal
  • Microwave

Fireplace

  • Fireplaces: 1
  • Living Room

Exterior & lot

Construction

  • Style: Contemporary Modern, Detached
  • Stories: 1
  • Roof: Asphalt
  • Foundation: Slab
  • Materials: Brick

Parking

  • Garage spaces: 2
  • Additional Parking
  • Concrete
  • Driveway
  • Garage Faces Front
  • Garage
  • Outside
  • Rv Access Parking

Pool

  • Community

Lot

  • Cleared
  • On Golf Course

Community

Neighborhood

  • Subdivision: White Bluff

HOA

  • CASTLE GROUP

Schools

  • District: Whitney ISD
  • Elementary: Whitney
  • Middle: Whitney
  • High: Whitney

Financial & listing details

Listing

  • Price per sq ft: $167
  • County: Hill
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,111/mo

Principal & interest
$2,968/mo
Property taxes (est.)
$769/mo
Homeowners insurance (est.)
$191/mo
HOA dues
$183/mo
Loan amount
$368,910
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 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. Self-employed, lower credit, ITIN, or turned down before? You may have another option.

Offered by HFP, powered by Doorly, only on this site, not by the seller or listing agent. Subject to underwriting and approval.

Get Pre-Qualified

How our financing program works

  1. 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. 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. 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

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