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Financing available

$274,900

435 Elm Street, Palo Pinto, TX 76450

2
beds
1
baths
1,596
sqft

Est. with seller financing: $2,634/mo

  • Single-family
  • Built in 1910
  • 29,490 sq ft lot
  • $172/sqft
  • Palo Pinto County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Charming Country Living with Modern Updates! This adorable, updated 2-story home offers the perfect blend of comfort, character, and functionality on approximately 0.677 acres. The main level features 1 bedroom, 1 full bath, a dining room, separate utility room, a spacious living area, and a flex room that could serve as a third bedroom, office, game room or additional living space, while upstairs offers a large, versatile loft-style space that is considered the second bedroom. The kitchen is beautifully appointed with granite countertops, a smart range, and modern conveniences, while a smart thermostat adds energy-conscious comfort. The primary bedroom offers a large walk-in closet with plenty of storage. Outside, enjoy the freedom of country living with city water and sewer, convenient RV hookups, a designated dog run, and plenty of room to spread out. The detached 2-car garage provides additional parking, with one side thoughtfully converted into an entertainment space-perfect for gatherings, hobbies or relaxing with family and friends, or could easily be converted back to an additional garage space. A charming well house, currently inoperable, offers additional potential for a workshop space. With abundant storage throughout, generous outdoor space, and easy access to Highway 180, this property offers the best of both worlds--peaceful country living with convenient access to all the amenities that the growing community of Mineral Wells has to offer. Less than a 30 minute drive to any local body of water--Palo Pinto Lake, Lake Mineral Wells State Park, Palo Pinto Mountain State Park, the Mighty Brazos River, or Possum Kingdom Lake, as well as the famous Rocker B Ranch, this property could be a primary residence, a second home, or even used as an Airbnb! This is a unique property with character, updates, and endless possibilities. Book your showing today! HOT TUB is negotiable with considered offers. Refrigerator available if needed.

Facts & features

Interior

Features

  • Decorative Designer Lighting Fixtures
  • Granite Counters
  • Pantry
  • Walk In Closets

Heating & cooling

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

Flooring

  • Carpet
  • Luxury Vinyl Plank
  • Tile

Appliances

  • Dishwasher
  • Electric Range
  • Electric Water Heater

Laundry

  • Laundry In Utility Room

Exterior & lot

Features

  • Dog Run
  • Rv Hookup

Construction

  • Style: Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Pillar Post Pier

Parking

  • Garage spaces: 1
  • Door Single
  • Driveway
  • Garage
  • Garage Door Opener

Community

Neighborhood

  • Subdivision: Palo Pinto Ot

Schools

  • District: Palo Pinto ISD
  • Elementary: Palo Pinto
  • Middle: Palo Pinto
  • High: Mineral Wells

Financial & listing details

Listing

  • Price per sq ft: $172
  • County: Palo Pinto
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,634/mo

Principal & interest
$1,991/mo
Property taxes (est.)
$515/mo
Homeowners insurance (est.)
$128/mo
Loan amount
$247,410
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 estimated at 2.25% of the price because this listing has no full-year tax amount (common for new construction); actual taxes may differ 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

Love this home?Let's find a way to make it yours.

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A traditional mortgage isn't the only way to buy a home.

If you're self-employed, have a lower credit score, use an ITIN, or have been turned down for a mortgage, you may have another option.

Our financing program has different qualification guidelines for eligible buyers. Check your options before you rule out this home.

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 Renee Hudnell, Cornerstone Home and Ranch · MLS #21371705 · (940) 452-7915

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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