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Financing available

$649,900

429 Rugged Drive, Red Oak, TX 75154

4
beds
3
baths
3,224
sqft

Est. with seller financing: $5,724/mo

  • Single-family
  • Built in 2005
  • 53,013 sq ft lot
  • $202/sqft
  • Ellis County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

This beautifully maintained 4-bedroom, 3-bath home features an open floor plan with a formal dining room, spacious eat-in kitchen, and inviting living room centered around a wood-burning fireplace. The oversized primary suite is a true retreat, complete with its own wood-burning fireplace, sitting area, and generous space to unwind. A private guest suite with an ensuite bath offers the perfect setup for visitors or multigenerational living, while the upstairs bonus room provides flexible space for a game room, media room, or home office. Recent updates include a newer roof and luxury vinyl plank flooring. Additional features include a central vacuum system, abundant attic storage with decking, and an attached 3-car garage. A standout feature is the impressive 1,728-square-foot detached shop wired for electric, multiple roll-up doors, drive-through access, and room for an RV, boat, workshop, or home-based business. With no neighbors behind and being on a cul-de-sac, you'll enjoy added privacy while still being just minutes from shopping, dining, schools, and major commuter routes. If you've been searching for a home with exceptional living space and an incredible shop, this one is a must-see.

Facts & features

Interior

Features

  • Built In Features
  • Chandelier
  • Central Vacuum
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Kitchen Island
  • Multiple Master Suites
  • Open Floorplan
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Walk In Closets
  • Wired For Sound

Heating & cooling

  • Heating: Central, Electric, Fireplaces, Zoned
  • Cooling: Central Air, Ceiling Fans, Window Units, Zoned

Flooring

  • Carpet
  • Luxury Vinyl Plank
  • Tile

Appliances

  • Double Oven
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Disposal
  • Microwave
  • Trash Compactor
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 2
  • Living Room
  • Primary Bedroom
  • Wood Burning

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Garden
  • Rain Gutters
  • Storage

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Slab
  • Materials: Brick, Wood Siding

Parking

  • Garage spaces: 3
  • Drive Through
  • Garage
  • Garage Door Opener
  • Heated Garage
  • Kitchen Level
  • Lighted
  • Off Street
  • Oversized
  • Rv Garage
  • Garage Faces Side
  • Storage
  • Workshop In Garage
  • Boat
  • Rv Access Parking

Lot

  • Acreage
  • Back Yard
  • Cul De Sac
  • Lawn
  • Few Trees

Community

Neighborhood

  • Subdivision: Hidden Creek Ph II

Schools

  • District: Red Oak ISD
  • Elementary: Eastridge
  • Middle: Red Oak
  • High: Red Oak

Financial & listing details

Listing

  • Price per sq ft: $202
  • County: Ellis
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,724/mo

Principal & interest
$4,706/mo
Property taxes
$715/mo
Homeowners insurance (est.)
$303/mo
Loan amount
$584,910
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.

Location

Your next home may have more than one path to ownership.

Powered byDoorly

Finding the right home is half the equation. Financing that works for your situation is the other half. This home may be eligible for our seller financing, also called owner financing, an option for buyers a traditional mortgage hasn't worked for.

It may be worth a look if you:

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 Sierra Chelone, CENTURY 21 Judge Fite Company · MLS #21334129 · 972-723-8231

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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