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Financing available

$364,500

40 Cumberland Circle, Denison, TX 75021

3
beds
2.5
baths
1,909
sqft

Est. with seller financing: $3,258/mo

  • Single-family
  • Built in 1985
  • 93,218 sq ft lot
  • $191/sqft
  • Grayson County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Motivated Seller! NO CITY TAXES & NO HOA! Escape to this rare, 2.14-acre country home, in Cross Timbers Estates, just east of Denison, Tx, off Hwy 69. Positioned on a spacious corner lot with mature shade trees, this 1985 home is perfect for small acreage living. Step out onto the massive, covered back deck to experience total serenity—the home’s layout helps to add privacy from the street and side neighbors, leaving you with peaceful views of your backyard and the remainder of the 2.14 acres. Inside, enjoy a move in ready, 3, possibly 4 bedroom, 2.5-bathroom floor plan featuring fresh interior paint, modernized lighting, an attached garage, and a cozy wood fireplace. This property has a detached workshop with a concrete floor, electricity, and possibly water—plus a separate covered RV parking bay and an additional storage unit. Perfect for hobbyists, contractors, or Lake Texoma boat owners looking for freedom from city restrictions and high storage fees. Properties offering this blend of acreage, utility, and monthly tax savings since outside the city limits are incredibly rare at this price point. Recent appraisal places value slightly above list price. Newly added Seller Concession of $7,000.00 toward updating the AC Unit, which still works, but is an older unit. New updated survey. Schedule your tour today and experience the privacy for yourself! All information deemed correct and accurate, however buyer and buyer’s agent to verify all information.

Facts & features

Interior

Features

  • Eat In Kitchen
  • High Speed Internet
  • Paneling Wainscoting
  • Cable Tv

Heating & cooling

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

Flooring

  • Laminate

Appliances

  • Some Gas Appliances
  • Dryer
  • Dishwasher
  • Gas Range
  • Gas Water Heater
  • Plumbed For Gas
  • Refrigerator
  • Washer

Fireplace

  • Fireplaces: 1
  • Family Room
  • Masonry
  • Wood Burning

Laundry

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

Exterior & lot

Construction

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

Parking

  • Garage spaces: 2
  • Additional Parking
  • Circular Driveway
  • Concrete
  • Door Multi
  • Garage
  • Garage Door Opener
  • Open
  • Rv Carport
  • Garage Faces Side
  • See Remarks
  • Storage
  • Boat
  • Rv Access Parking

Lot

  • Acreage
  • Native Plants

Community

Neighborhood

  • Subdivision: Cross Timber Estates

Schools

  • District: Denison ISD
  • Elementary: Lamar
  • Middle: Henry Scott
  • High: Denison

Financial & listing details

Listing

  • Price per sq ft: $191
  • County: Grayson
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,258/mo

Principal & interest
$2,640/mo
Property taxes
$448/mo
Homeowners insurance (est.)
$170/mo
Loan amount
$328,050
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. 1

    Get qualified

    We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.

  2. 2

    Pick this home

    Once you're approved, tell us this is the one. We handle the purchase from the seller.

  3. 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

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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.

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Listing courtesy of Dianna Whitlock, Ann's Realty · MLS #21059924

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.

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