HFPHome Finance
Partner
Powered byDoorly
1 / 30
Financing available

$585,000

3940 Vista Oak Drive, Royse City, TX 75189

4
beds
3
baths
3,004
sqft

Est. with seller financing: $5,676/mo

  • Single-family
  • Built in 2024
  • 51,488 sq ft lot
  • $195/sqft
  • $20/mo HOA
  • Hunt County

Interested in this home?

Seller financing is available to qualified buyers.

Powered byDoorly

About this home

Welcome to Vista Oaks Estates, a hidden gem acreage community with convenient access to I-30. Enjoy the space, flexibility, and convenience of single-story living on slightly more than a full acre. This thoughtfully designed home offers 3 bedrooms plus a private office that can easily function as a 4th bedroom, along with 3 full baths and a versatile layout designed for today’s lifestyle. The generous living spaces provide plenty of room to gather and entertain, while a convenient drop zone helps keep everyday essentials organized. An oversized laundry room with a utility sink adds even more functionality and storage. Outside, the expansive fenced backyard offers room to relax, entertain, play, garden, or simply enjoy the extra breathing room that comes with an acre of land. The covered patio extends the living space outdoors and provides a comfortable setting for morning coffee, weekend gatherings, or quiet evenings at home. The 3-car garage offers excellent parking and additional storage. Offering the space and privacy of acreage without giving up everyday conveniences, this home is ideally situated for easy access to shopping, dining, recreation, and daily necessities. A rare combination of a flexible floor plan, generous outdoor space, and single-story living—all designed to make home feel a little more comfortable.

Facts & features

Interior

Features

  • Decorative Designer Lighting Fixtures
  • Kitchen Island
  • Open Floorplan
  • Walk In Closets
  • Wired For Sound

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile

Appliances

  • Convection Oven
  • Dishwasher
  • Electric Cooktop
  • Disposal
  • Microwave

Fireplace

  • Fireplaces: 1
  • Wood Burning

Exterior & lot

Features

  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Composition
  • Materials: Brick, Stone Veneer

Parking

  • Garage spaces: 3
  • Door Multi
  • Door Single
  • Driveway
  • Garage
  • Garage Door Opener
  • Parking Pad
  • Garage Faces Side

Lot

  • Back Yard
  • Interior Lot
  • Lawn
  • Many Trees
  • Subdivision

Community

Neighborhood

  • Subdivision: Vista Oaks Estates Add

HOA

  • SBB Community Management

Schools

  • District: Royse City ISD
  • Elementary: Ruth Cherry
  • Middle: Ouida Baley
  • High: Royse City

Financial & listing details

Listing

  • Price per sq ft: $195
  • County: Hunt
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,676/mo

Principal & interest
$4,236/mo
Property taxes
$1,147/mo
Homeowners insurance (est.)
$273/mo
HOA dues
$20/mo
Loan amount
$526,500
Seller financing rate (est.)
9.00%
Term
30-year fixed
Powered byDoorly

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.

Powered byDoorly

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 Karen Wydra, Ebby Halliday, REALTORS · MLS #21293491 · 972-771-8163

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.

More homes in Royse City