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Financing available

$699,900

41 White Oak, Gainesville, TX 76240

3
beds
1.5
baths
1,732
sqft

Est. with seller financing: $6,152/mo

  • Single-family
  • Built in 1987
  • 19,950 sq ft lot
  • $404/sqft
  • $58/mo HOA
  • Cooke County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to your front-row seat to lake life, where every day feels like a getaway & every sunset is yours to keep. Perfectly positioned on a rare double waterfront lot with 149 feet of pristine shoreline is this fully furnished, turn-key retreat on Moss Lake. From the moment you arrive, the gated drive & peaceful setting set the tone: private, quiet, and worlds away from the everyday. Inside, the home has been thoughtfully reimagined to embrace its surroundings, with sunlight pouring through expansive windows that frame stunning water views from nearly every room. The open-concept living space invites connection, ideal for entertaining guests or unwinding by the wood-burning fireplace as the lake shimmers just beyond. Designed with both function & gathering in mind, the kitchen features generous prep space, abundant cabinetry & seamless flow into the living & dining areas. The primary suite offers a serene escape, while two additional bedrooms provide ample space. What truly sets this property apart is its unmatched turn-key convenience, all furniture, décor & fixtures are included, allowing for immediate enjoyment or income potential from day one. Whether you're a seasoned investor, a 1031 exchange buyer, or simply searching for the ultimate Texas lake house that can help pay for itself, this is a rare & compelling opportunity. Step outside & experience the lifestyle firsthand. Multiple outdoor living areas create the perfect backdrop for everything from peaceful morning coffee to evenings around the firepit under a canopy of stars. Your private dock & boathouse make lake days effortless. Adding even more value, the separate oversized waterfront lot offers the potential for future expansion or an additional build, giving you flexibility to grow or enhance your investment. Whether you're seeking a personal escape, a gathering place for unforgettable memories, or a proven income-producing property, this one-of-a-kind lakefront home delivers!

Facts & features

Interior

Features

  • Built In Features
  • Chandelier
  • Decorative Designer Lighting Fixtures
  • Eat In Kitchen
  • High Speed Internet
  • Open Floorplan
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Natural Woodwork
  • Walk In Closets
  • Wired For Sound

Heating & cooling

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

Flooring

  • Carpet
  • Tile
  • Wood

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Range
  • Electric Water Heater
  • Disposal
  • Wine Cooler

Fireplace

  • Fireplaces: 1
  • Decorative
  • Family Room
  • Masonry
  • Raised Hearth
  • Wood Burning

Laundry

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

Exterior & lot

Features

  • Balcony
  • Boat Slip
  • Deck
  • Dock
  • Fire Pit
  • Lighting
  • Private Entrance
  • Private Yard
  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Metal, Shingle
  • Foundation: Slab
  • Materials: Aluminum Siding, Brick

Parking

  • Additional Parking
  • Concrete
  • Direct Access
  • Driveway
  • Electric Gate
  • Gated
  • Lighted
  • Parking Pad
  • Private
  • Boat
  • Rv Access Parking

Lot

  • Landscaped
  • Many Trees
  • Sloped
  • Waterfront
  • View: Water

Community

Neighborhood

  • Subdivision: Whispering Hills

HOA

  • Whispering Hill POA

Schools

  • District: Sivells Bend ISD
  • Elementary: Sivells Bend
  • Middle: Sivellsven
  • High: Muenster

Financial & listing details

Listing

  • Price per sq ft: $404
  • County: Cooke
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$6,152/mo

Principal & interest
$5,068/mo
Property taxes
$699/mo
Homeowners insurance (est.)
$327/mo
HOA dues
$58/mo
Loan amount
$629,910
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

Want to buy this home with seller financing?
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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.

See If You Qualify

Listing courtesy of Michael Hershenberg, Real Broker, LLC · MLS #21217238 ·

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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