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Financing available

$243,000

4902 J I Bruce Drive, Temple, TX 76502

3
beds
2
baths
1,326
sqft

Est. with seller financing: $2,351/mo

  • Single-family
  • Built in 1999
  • 7,057 sq ft lot
  • $183/sqft
  • $20/mo HOA
  • Bell County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to this beautifully maintained 3-bedroom, 2-bath home on a desirable corner lot in The Commons of Waterford Park! From the moment you step inside, you’ll appreciate the open feel created by soaring ceilings, abundant natural light, and thoughtful upgrades throughout. The inviting living room is centered around a stunning floor-to-ceiling brick, wood-burning fireplace—perfect for cozy evenings at home. The kitchen offers granite countertops, stainless steel appliances, and plenty of space for daily meals or entertaining. Recessed lighting and ceiling fans throughout the home add both comfort and style, while plantation shutters and solar screens enhance privacy and energy efficiency. Step outside to a fully landscaped backyard featuring an automatic sprinkler system, full gutters, a storage shed, and a large covered patio ideal for grilling, relaxing, or hosting family and friends. Conveniently located near Baylor Scott & White, shopping, restaurants, schools, and I-35, this home offers an exceptional blend of comfort, convenience, and charm. Residents of The Commons of Waterford Park also enjoy access to a neighborhood playground. Schedule your showing today!

Facts & features

Interior

Features

  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • Pantry

Heating & cooling

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

Flooring

  • Carpet
  • Tile
  • Wood

Appliances

  • Dishwasher
  • Disposal
  • Microwave

Fireplace

  • Fireplaces: 1
  • Living Room
  • Masonry
  • Raised Hearth
  • Wood Burning

Laundry

  • Washer Hookup
  • Dryer Hookup
  • Electric Dryer Hookup

Exterior & lot

Features

  • Private Yard

Construction

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

Parking

  • Garage spaces: 2
  • Concrete
  • Driveway
  • Garage Faces Front
  • Garage
  • Inside Entrance

Community

Neighborhood

  • Subdivision: The Commons Of Waterford Park

HOA

  • Colby Property Mangement

Schools

  • District: Temple ISD
  • Elementary: Raye-Allen
  • Middle: Bonham
  • High: Temple

Financial & listing details

Listing

  • Price per sq ft: $183
  • County: Bell
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,351/mo

Principal & interest
$1,760/mo
Property taxes
$458/mo
Homeowners insurance (est.)
$113/mo
HOA dues
$20/mo
Loan amount
$218,700
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?
We can help.

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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 Linda Brown, EG Realty · MLS #21339632 ·

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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