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Financing available

$284,999

3916 Oak Creek Circle, Denison, TX 75020

3
beds
2
baths
1,517
sqft

Est. with seller financing: $2,770/mo

  • Single-family
  • Built in 2021
  • 4,922 sq ft lot
  • $188/sqft
  • $46/mo HOA
  • Grayson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Discover this beautifully maintained D.R. Horton Vancouver floor plan located in The Reserve, one of Denison’s highly sought after communities. This single-story home offers 3 bedrooms, 2 bathrooms, and 1,518 square feet of thoughtfully designed living space. The open-concept layout features luxury vinyl flooring throughout the main living areas, creating a seamless flow between the kitchen and living room. The kitchen is equipped with quartz countertops, custom cabinetry, stainless steel appliances, a gas cooktop, breakfast bar seating, and a dining nook perfect for everyday meals. The spacious living area is highlighted by an electric fireplace, adding warmth and character to the home. The private primary suite includes an ensuite bath and a walk-in closet, while the secondary bedrooms provide flexibility for guests, family, or a home office. Additional highlights include an oversized utility room, tankless water heater, smart home capabilities, and a keyless smart entry system. The inviting front porch and covered back patio provide comfortable spaces to relax or entertain outdoors. Conveniently located less than one mile from Highway 75 and close to Texoma Medical Center, Grayson College, Haystack, Urban Air, and the recreational opportunities of Lake Texoma, this move-in-ready home combines modern amenities with an exceptional location.

Facts & features

Interior

Features

  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Open Floorplan
  • Pantry
  • Cable Tv

Heating & cooling

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

Flooring

  • Carpet
  • Luxury Vinyl Plank

Appliances

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

Exterior & lot

Construction

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

Parking

  • Garage spaces: 2
  • Garage Faces Front
  • On Street

Lot

  • Landscaped
  • Sprinkler System

Community

Neighborhood

  • Subdivision: Reserve

HOA

  • Assured Management

Schools

  • District: Denison ISD
  • Elementary: Hyde Park
  • Middle: Henry Scott,Mcdaniel
  • High: Denison

Financial & listing details

Listing

  • Price per sq ft: $188
  • County: Grayson
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,770/mo

Principal & interest
$2,064/mo
Property taxes
$527/mo
Homeowners insurance (est.)
$133/mo
HOA dues
$46/mo
Loan amount
$256,499
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

Love this home?Let's find a way to make it yours.

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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 Bailey Frasier, Coldwell Banker Apex, REALTORS · MLS #21311432 · 972-727-3377

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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