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Financing available

$599,000

432 S County Road 4837, Winnsboro, TX 75494

3
beds
2
baths
2,238
sqft

Est. with seller financing: $4,944/mo

  • Single-family
  • Built in 2008
  • 23,479 sq ft lot
  • $268/sqft
  • Wood County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

This waterfront property starts with a custom designed floor plan that maximizes fabulous views of Lake Winnsboro open water, in addition to the expert craftsmanship of this 3BR-2BA 2 car garage home. A wonderful feature is this dream kitchen refined by gorgeous cabinets & counters, top of the line Stainless Steel appliances & a separate dining room. Spoil yourself with a primary suite that overlooks the lake, and has a walk-in shower and walk-in closet. Each room is easily accessed by 36inch wide doors. Neutral colors with bold accents and modern finishes creates eye appeal at first glance. Good quality wood-look laminate floors are in great condition. The utility room is also an office set-up ready for computer and accessories. Located on a quiet country road, maintained by Wood County, it's setting is an area of well groomed neighboring properties. This lakefront home is sustained by a retaining wall, and is equipped with a spacious deck and covered boat house. Excess rainwater is handled by gutters, downspouts and French drains. Enjoy the convenience of a screened back deck adding comfort to warm evenings. A gas log fireplace in the living room adds coziness and warmth as evenings grow colder. 200 SF storage building with lean-to on site. In short, this house is a 'Sugarplum'. Ask what's the difference between a 'Lakehouse' and 'A Home on the Lake' , then come see for yourself! By appointment.

Facts & features

Interior

Features

  • Built In Features
  • High Speed Internet
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Cable Tv
  • Walk In Closets

Heating & cooling

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

Flooring

  • Laminate

Appliances

  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Microwave
  • Refrigerator

Fireplace

  • Fireplaces: 1
  • Gas Log

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Boat Slip
  • Deck
  • Dock
  • Rain Gutters
  • Storage

Construction

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

Parking

  • Garage spaces: 2
  • Garage Faces Front
  • Garage
  • Garage Door Opener
  • Kitchen Level
  • Rv Access Parking

Lot

  • Back Yard
  • Lawn
  • Landscaped
  • Many Trees
  • Sloped
  • Waterfront
  • Retaining Wall

Community

Neighborhood

  • Subdivision: Woodard South Shores

Schools

  • District: Winnsboro ISD
  • Elementary: Winnsboro
  • Middle: Memorial
  • High: Winnsboro

Financial & listing details

Listing

  • Price per sq ft: $268
  • County: Wood
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,944/mo

Principal & interest
$4,338/mo
Property taxes
$326/mo
Homeowners insurance (est.)
$280/mo
Loan amount
$539,100
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

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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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Listing courtesy of Gina Moerke, United Country Cain Agency · MLS #21408192 ·

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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