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Financing available

$319,900

3905 Northwater Trail, Denton, TX 76226

4
beds
2
baths
1,708
sqft

Est. with seller financing: $3,089/mo

  • Single-family
  • Built in 2023
  • 6,273 sq ft lot
  • $187/sqft
  • $46/mo HOA
  • Denton County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to this beautifully maintained four-bedroom, two-bath home in the desirable Cambridge Brook community of Denton. Built in 2023 and exceptionally well cared for, this home offers a modern open-concept layout designed for comfortable everyday living and effortless entertaining. The spacious living, dining, and kitchen areas flow seamlessly together, creating the heart of the home. The kitchen is a standout with abundant cabinetry and counter space, granite countertops, stainless steel appliances, a gas range, built-in microwave, large center island with seating, and a generous walk-in pantry. The private primary suite is tucked away from the secondary bedrooms and features a spacious walk-in closet and an oversized walk-in shower. Three additional bedrooms offer flexibility for family, guests, or a home office. Additional highlights include ceramic tile flooring throughout the entry, hallways, kitchen, and wet areas, cultured marble bathroom vanities, smart home technology, gas HVAC, and a full sprinkler system with rain sensor. Outside, enjoy a covered back patio overlooking the expansive, fully fenced backyard, perfect for entertaining, play, or simply relaxing outdoors. With its thoughtful floor plan, modern finishes, and excellent condition, this move-in-ready home is an outstanding opportunity in Denton​​‌​​​​‌​​‌‌​​‌‌​​‌‌​​‌‌​‌​​​​​‌​​‌‌​‌​‌ ISD.

Facts & features

Interior

Features

  • Chandelier
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Smart Home
  • Cable Tv
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile
  • Tile

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Gas Cooktop
  • Disposal
  • Gas Oven
  • Gas Range
  • Gas Water Heater
  • Microwave
  • Plumbed For Gas
  • Tankless Water Heater
  • Vented Exhaust Fan

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Electric Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Lighting
  • Private Yard

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Composition, Shingle
  • Foundation: Slab
  • Materials: Brick, Rock, Stone, Wood Siding

Parking

  • Garage spaces: 2
  • Concrete
  • Covered
  • Direct Access
  • Door Single
  • Driveway
  • Garage Faces Front
  • Garage
  • Garage Door Opener
  • Inside Entrance
  • Kitchen Level
  • Lighted
  • Storage

Lot

  • Interior Lot
  • Landscaped
  • Subdivision
  • Sprinkler System
  • Few Trees

Community

Neighborhood

  • Subdivision: Cambridge Brook Ph 2

HOA

  • VCM Inc.

Schools

  • District: Denton ISD
  • Elementary: EP Rayzor
  • Middle: Tom Harpool
  • High: Guyer

Financial & listing details

Listing

  • Price per sq ft: $187
  • County: Denton
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,089/mo

Principal & interest
$2,317/mo
Property taxes
$577/mo
Homeowners insurance (est.)
$149/mo
HOA dues
$46/mo
Loan amount
$287,910
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 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.

Location

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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. 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

Listing courtesy of Letta Burger, Compass RE Texas, LLC · MLS #21322657 · 682-226-6938

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.

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