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Financing available

$459,900

408 Heard Street, McKinney, TX 75069

3
beds
1
baths
1,316
sqft

Est. with seller financing: $4,192/mo

  • Single-family
  • Built in 1930
  • 7,275 sq ft lot
  • $349/sqft
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to this wonderfully charming 1930 Craftsman home in the highly sought-after McKinney Historic District. Just a scenic stroll, approximately three quarters of a mile, brings you to the vibrant downtown square, where you’ll often find a unique blend of small-town charm and character, including mounted police patrols and horse-drawn carriages that frequent the area. Situated on a large corner lot, this property is surrounded by gorgeous mature trees, charming flagstone pathways, and inviting outdoor spaces. Whether you enjoy gardening, relaxing on one of the two porches, or simply birdwatching for a spell, this home offers a peaceful and picturesque setting. Inside, you’ll find a true Craftsman bungalow with 9-foot ceilings and beautiful sight lines from the living room, anchored by the original fireplace, now thoughtfully converted to gas, to the lush greenery visible from the kitchen. Much of the original hardwood flooring remains, complemented by classic details such as shiplap, wainscoting, wide baseboards, and crown molding. This is an authentic 1930s Craftsman, originally built alongside its twin on the same street and recognized on the National Historic Register for its architectural style. Original features include transom windows at the front entry, preserved interior doors, two pocket sliding doors, and glazed windows, complemented by charming plantation shutters. Thoughtful updates include HVAC improvements, updated electrical outlets, a tankless water heater, and recent exterior painting and skirting. The primary bedroom offers two closets, one quite spacious, with flexibility to relocate the washer and dryer and convert the current laundry room into a half or full bath. The detached garage includes an attached storage room with potential to become guest quarters, a studio, or a creative workspace. A rare opportunity to own a true historic gem full of character, charm, and potential in one of McKinney’s most beloved neighborhoods.

Facts & features

Interior

Features

  • Chandelier
  • High Speed Internet
  • Cable Tv
  • Natural Woodwork

Heating & cooling

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

Flooring

  • Wood

Appliances

  • Some Gas Appliances
  • Built In Gas Range
  • Dishwasher
  • Disposal
  • Plumbed For Gas
  • Tankless Water Heater

Fireplace

  • Fireplaces: 1
  • Gas
  • Gas Log
  • Living Room
  • Masonry

Exterior & lot

Features

  • Garden

Construction

  • Style: Early American, Detached, Historic Antique
  • Stories: 1
  • Roof: Composition
  • Foundation: Pillar Post Pier
  • Materials: Wood Siding

Parking

  • Garage spaces: 1
  • Door Single
  • Driveway
  • Garage Faces Front
  • Shared Driveway

Lot

  • Interior Lot
  • Landscaped
  • Few Trees

Community

Neighborhood

  • Subdivision: Murray Add

Schools

  • District: McKinney ISD
  • Elementary: Caldwell
  • Middle: Faubion
  • High: Mckinney Boyd

Financial & listing details

Listing

  • Price per sq ft: $349
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,192/mo

Principal & interest
$3,330/mo
Property taxes
$647/mo
Homeowners insurance (est.)
$215/mo
Loan amount
$413,910
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

Darcy Richter

Keller Williams NO. Collin Cty

972-562-8883

MLS #
21380320

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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