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Financing available

$648,000

4505 Sovereignty Drive, McKinney, TX 75070

5
beds
4
baths
2,764
sqft

Est. with seller financing: $6,131/mo

  • Single-family
  • Built in 2024
  • 4,835 sq ft lot
  • $234/sqft
  • $73/mo HOA
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Brand-new 2024 build in Lake Forest — 5 bed, 4 bath, 2,764 sq ft. McKinney ISD: Glen Oaks ? Dowell ? McKinney Boyd (A-rated). Move-in ready with builder warranty transferring to buyer. Step out your door to a 2.5-mile radius most McKinney addresses can't match: Walmart Supercenter steps away, Costco 5 min, Market Street 1.7 mi, Allen Premium Outlets (120+ stores) 2.5 mi, The Village at Allen and Fairview Town Center 3 mi for dining (Cheesecake Factory, P.F. Chang's) and Cinemark Allen for movies. EoS Fitness Signature opens adjacent — pool, recovery suite, outdoor Backyard training. Life Time McKinney athletic resort 2.2 mi. Sam Rayburn Tollway at the doorstep — 12 min Toyota HQ Plano, 15 min Legacy West, 25 min DFW airport. Historic downtown McKinney and Adriatica Village in 10. Inside: flexible 5-bedroom layout — ground-floor bedroom + ensuite works as guest suite, home office, or in-law space. Four bedrooms upstairs plus a game room and media flex. Engineered hardwood through the main floor. Kitchen: Level 6 quartz countertops, built-in stainless appliances, Shaker cabinetry, oversized island. Owner's suite: spa bath, dual vanities, frameless glass shower, walk-in closet. Already done: window treatments throughout, full sod + sprinkler, fenced yard, garage epoxy, smart-home package (thermostat, doorbell, locks). . Builder warranty: 10-yr structural and 2-yr systems.

Facts & features

Interior

Features

  • Wet Bar
  • Built In Features
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • Kitchen Island
  • Open Floorplan
  • Smart Home
  • Tile Counters
  • Cable Tv
  • Vaulted Ceilings
  • Walk In Closets

Flooring

  • Carpet
  • Combination
  • Engineered Hardwood

Appliances

  • Double Oven
  • Dishwasher
  • Gas Cooktop
  • Disposal
  • Microwave
  • Water Softener
  • Tankless Water Heater
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 1
  • Living Room

Laundry

  • Washer Hookup
  • Dryer Hookup

Exterior & lot

Construction

  • Style: Contemporary Modern, Detached
  • Stories: 2
  • Roof: Composition, Shingle
  • Foundation: Combination, Slab
  • Materials: Brick, Concrete

Parking

  • Garage spaces: 2
  • Driveway
  • Garage

Community

Neighborhood

  • Subdivision: Lake Forest Ph II

HOA

  • Lake Forest HOA

Schools

  • District: McKinney ISD
  • Elementary: Jesse Mcgowen
  • Middle: Evans
  • High: Mckinney

Financial & listing details

Listing

  • Price per sq ft: $234
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$6,131/mo

Principal & interest
$4,693/mo
Property taxes
$1,063/mo
Homeowners insurance (est.)
$302/mo
HOA dues
$73/mo
Loan amount
$583,200
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

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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 Sai Krishna Byra, Radiance Realty · MLS #21154375 · 214-463-4846

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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