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Financing available

$469,900

3958 Ranch Road, Whitesboro, TX 76273

1
beds: 1
baths: 408
sqft

Est. with seller financing: $4,027/mo

Single-family
Built in 2019
435,208 sq ft lot
$1,152/sqft
Grayson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Escape to the peaceful beauty of the Lake Texoma area with this charming weekend retreat nestled on 10 wooded acres. The property features a cozy tiny cabin, two storage sheds, and stunning natural surroundings with two creeks winding through the land. Built in 2019, this thoughtfully designed 1 bedroom, 1 bath cabin offers the perfect blend of rustic charm and modern comfort. Inside you'll find an inviting living area, a beautifully tiled bathroom, and a stylish kitchen featuring granite countertops, beautiful backsplash, and ample cabinetry for storage and functionality. Enjoy abundant wildlife and scenic views from your covered front porch or unwind under the stars around the fire pit area. With electric, septic, well-maintained roads, and excellent drive-up appeal, this unique property is a rare opportunity to own your own secluded retreat.

Facts & features

Interior

Features

Built In Features
Wired For Sound

Heating & cooling

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

Flooring

Luxury Vinyl Plank

Appliances

Electric Cooktop
Microwave
Refrigerator

Exterior & lot

Features

Deck
Fire Pit
Rain Gutters

Construction

Style: Contemporary Modern, Detached
Stories: 1
Roof: Metal
Foundation: Pillar Post Pier
Materials: Fiber Cement

Parking

Carport
No Garage

Lot

Acreage
Many Trees

Community

Neighborhood

Subdivision: Toby Thomas

Schools

District: Whitesboro ISD
Elementary: Whitesboro
Middle: Whitesboro
High: Whitesboro

Financial & listing details

Listing

Price per sq ft: $1,152
County: Grayson
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,027/mo

Down payment10% ($46,990)10%20%

See If You Qualify

Principal & interest: $3,403/mo
Property taxes: $405/mo
Homeowners insurance (est.): $219/mo

Loan amount: $422,910
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.

How buying this home works

1
Get qualified
We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.
2
Pick this home
Once you're approved, tell us this is the one. We handle the purchase from the seller.
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

Lainie Ramsey

HBL, Realtors

903-786-6063

MLS #: 21266843

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.

Want to buy this home with seller financing?
We can help.

Powered byDoorly

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.

See If You Qualify