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Financing available

$575,000

518 Winners Circle, Rowlett, TX 75088

3
beds
3.5
baths
2,036
sqft

Est. with seller financing: $6,340/mo

  • Single-family
  • Built in 2022
  • 2,047 sq ft lot
  • $282/sqft
  • $201/mo HOA
  • Dallas County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Modern Lake-Area Living Near Lake Ray Hubbard-Live steps from the shoreline in this 2022 K. Hovnanian lakeside residence in Sapphire Bay. Designed for low-maintenance living with a modern, vacation-inspired feel, this home offers a refreshing alternative to a traditional suburban layout. Clean architectural lines, a gated front porch, expansive windows, and a three-level design create a distinctive first impression. Inside, wide-plank flooring, high ceilings, and abundant natural light give the home an open, airy feel throughout. The main living level is made for gathering, with a spacious family room, dining area, and designer kitchen all connected for easy everyday living and entertaining. The kitchen brings style and function together with rich cabinetry, quartz countertops, stainless steel appliances, gas cooking, double ovens, a large center island, and generous storage. Whether you’re hosting friends before a night out, enjoying a quiet dinner at home, or prepping snacks after a sunset walk by the lake, this space is designed to work beautifully. The owner’s retreat offers a peaceful escape with bright windows, generous proportions, a large walk-in closet, and a well-appointed bath with dual vanities and a spacious walk-in shower. Secondary bedroom suites offer flexibility for guests, work-from-home needs, or extended stays, with comfortable layouts and modern finishes. The location is the lifestyle. Enjoy evening walks along the Lake Ray Hubbard shoreline, take in unforgettable sunsets over the water, explore nearby trails, rent a boat for the day at Sapphire Bay Marina, or fish from the shore. You’ll have quick access to I-30 for an easy connection to Dallas, Rockwall, dining, shopping, and recreation. If you’ve been looking for modern construction, lock-and-leave convenience, and a lake-area lifestyle without the upkeep of a traditional yard, this home deserves a closer look. All offers will be subject to lender approval.

Facts & features

Interior

Features

  • Built In Features
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Smart Home
  • Cable Tv
  • Walk In Closets
  • Wired For Sound

Heating & cooling

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

Flooring

  • Ceramic Tile
  • Luxury Vinyl Plank

Appliances

  • Some Gas Appliances
  • Double Oven
  • Dishwasher
  • Electric Oven
  • Gas Cooktop
  • Disposal
  • Gas Water Heater
  • Microwave
  • Plumbed For Gas
  • Refrigerator

Laundry

  • Washer Hookup
  • Dryer Hookup
  • In Hall

Exterior & lot

Features

  • Courtyard
  • Rain Gutters

Construction

  • Style: Contemporary Modern, Traditional, Detached
  • Roof: Composition
  • Foundation: Slab
  • Materials: Stucco

Parking

  • Garage spaces: 2
  • Alley Access
  • Door Multi
  • Garage
  • Garage Door Opener
  • Garage Faces Rear

Lot

  • Interior Lot
  • No Backyard Grass
  • Sprinkler System

Community

Neighborhood

  • Subdivision: Sapphire Bay

HOA

  • Sapphire Bay HOA
  • Maintenance Front Yard

Schools

  • District: Garland ISD
  • Elementary: Choice Of School
  • Middle: Choice Of School
  • High: Choice Of School

Financial & listing details

Listing

  • Price per sq ft: $282
  • County: Dallas
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$6,340/mo

Principal & interest
$4,164/mo
Property taxes
$1,707/mo
Homeowners insurance (est.)
$268/mo
HOA dues
$201/mo
Loan amount
$517,500
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

Listing information

Listing courtesy of

Cindy Dunnican

Coldwell Banker Apex, REALTORS

972-772-9300

MLS #
21278099

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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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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