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Financing available

$395,000

4020 Grotto Drive, Royse City, TX 75189

4
beds
2.5
baths
2,071
sqft

Est. with seller financing: $3,781/mo

  • Single-family
  • Built in 2023
  • 6,273 sq ft lot
  • $191/sqft
  • $59/mo HOA
  • Rockwall County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Beautifully built by Highland Homes in 2023 (on a 50 ft lot) and located in the highly sought-after Waterscape community, this stunning 4-bedroom, 2.5-bath home offers the perfect blend of modern style, comfort, and functionality. From the moment you step inside, you’ll appreciate the open-concept layout, Luxury Vinyl Plank flooring throughout the main living areas, and thoughtfully designed spaces ideal for both everyday living and entertaining. The heart of the home is the gorgeous chef’s kitchen, featuring upgraded cabinetry, stylish backsplash, gas cooktop, oversized island with seating, and abundant counter and storage space. The spacious living room is warm and inviting with a cozy gas fireplace, while the generous dining area creates the perfect setting for family meals and gatherings. The private primary suite offers a relaxing retreat with a spa-like ensuite bathroom designed for comfort and relaxation. Three additional bedrooms provide plenty of flexibility for guests, family, or a home office. Cozy carpet in the bedrooms adds warmth and comfort throughout the private living spaces. Step outside to enjoy the private backyard complete with a fire pit — perfect for relaxing evenings, entertaining friends, or enjoying Texas sunsets year-round. Living in Waterscape means enjoying an incredible lifestyle with resort-style amenities including multiple pools, scenic ponds, hiking and biking trails, playgrounds, parks, clubhouse, fitness areas, dog parks, and community events throughout the year — all with convenient access to schools, shopping, dining, and nearby highways for an easy commute.

Facts & features

Interior

Features

  • Double Vanity
  • Eat In Kitchen
  • High Speed Internet
  • Kitchen Island
  • Pantry
  • Cable Tv
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Combination
  • Luxury Vinyl Plank

Appliances

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

Fireplace

  • Fireplaces: 1
  • Glass Doors
  • Gas Log

Exterior & lot

Features

  • Fire Pit
  • Rain Gutters

Construction

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

Parking

  • Garage spaces: 2
  • Concrete
  • Door Single
  • Driveway
  • Garage Faces Front
  • Garage
  • Garage Door Opener
  • Kitchen Level

Pool

  • Community

Lot

  • Back Yard
  • Interior Lot
  • Lawn
  • Landscaped

Community

Neighborhood

  • Subdivision: Waterscape Ph 3a

HOA

  • 1st Service Residential

Schools

  • District: Royse City ISD
  • Elementary: Paula Walker
  • Middle: Ouida Baley
  • High: Royse City

Financial & listing details

Listing

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

Estimated payment with seller financing

Est. seller-financed payment

$3,781/mo

Principal & interest
$2,860/mo
Property taxes
$678/mo
Homeowners insurance (est.)
$184/mo
HOA dues
$59/mo
Loan amount
$355,500
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 Jorge Avila, Keller Williams Rockwall · MLS #21269963 · 972-772-7000

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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