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Financing available

$299,900

406 Locust, Merkel, TX 79536

3
beds
2
baths
1,756
sqft

Est. with seller financing: $2,523/mo

  • Single-family
  • Built in 1915
  • 12,589 sq ft lot
  • $171/sqft
  • Taylor County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Don't miss this historic updated Craftsman home that blends modern improvements with the character and craftsmanship of its original design. Updates include flooring, electrical, plumbing, countertops, and refreshed bathrooms, while original hardwood trim, distinctive fireplaces, and other period details preserve the home’s timeless appeal. Located less than 15 minutes from Dyess Airforce Base or the back gate of the new data center, this home is in the perfect location to enjoy small town living while still being close enough to all the hustle and bustle of a larger area. The spacious laundry room features a convenient pet-washing station. Additional features include a cistern and a basement offering easy access to the HVAC system and water heater, along with flexible space that could be used for storage, hobbies, recreation, or a craft area. The basement offers indoor and outdoor access. A detached guest house adds even more versatility and includes a kitchen and bathroom. This separate space offers possibilities for guest accommodations, a home office, studio, or potential rental use, subject to applicable zoning and local requirements. A unique property offering historic Craftsman character, thoughtful updates, flexible living spaces, and additional improvements—all ready for its next chapter.

Facts & features

Interior

Features

  • Built In Features
  • Decorative Designer Lighting Fixtures
  • High Speed Internet
  • Cable Tv
  • Natural Woodwork

Heating & cooling

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

Flooring

  • Combination

Appliances

  • Dishwasher
  • Electric Range
  • Microwave
  • Trash Compactor

Fireplace

  • Fireplaces: 2
  • Decorative

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Storage

Construction

  • Style: Craftsman, Detached
  • Stories: 1
  • Roof: Composition
  • Foundation: Pillar Post Pier
  • Materials: Brick

Parking

  • Porte Cochere

Lot

  • Interior Lot
  • Landscaped
  • Few Trees

Community

Neighborhood

  • Subdivision: Sheppard 1st Of Merkel

Schools

  • District: Merkel ISD
  • Elementary: Merkel
  • Middle: Merkel
  • High: Merkel

Financial & listing details

Listing

  • Price per sq ft: $171
  • County: Taylor
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,523/mo

Principal & interest
$2,172/mo
Property taxes
$211/mo
Homeowners insurance (est.)
$140/mo
Loan amount
$269,910
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. 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

Listing information

Listing courtesy of

Beki Kofoed

Carriage House

(325) 280-1444

MLS #
21365844

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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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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