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Financing available

$645,000

812 Moss Cliff Circle, McKinney, TX 75071

5
beds
4
baths
3,976
sqft

Est. with seller financing: $6,020/mo

  • Single-family
  • Built in 2006
  • 9,583 sq ft lot
  • $162/sqft
  • $74/mo HOA
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Significant price reduction. Come see this beautifully upgraded 5-bedroom, 4-bath, 3,976 sq ft Highland Home featuring new windows (2021), crown molding, plantation shutters, and a grand wrought iron front door. Main level includes a spacious primary suite with bay windows and upgraded bath, plus a second bedroom with adjacent full bath. Gourmet kitchen offers an 8’ granite island, refurbished cabinetry, and walk in pantry. Private study with vaulted ceiling and French doors. Upstairs features a dedicated media room with 120” screen, three bedrooms with walk in closets, two full baths (including Jack & Jill), and a second Livingroom. Resort style backyard includes a fully equipped outdoor kitchen, extended stone patio, Coleman Monterey spa, couch swing, cedar fencing, mounted TV, and two gated side yards ideal for a dog run. 3-car garage is fully outfitted with 12' x 8' professional organizer cabinets, workbench, overhead storage, and a 500 lb. cargo lift. Ridgecrest amenities include a private community pool, children’s park, walking trails, recreational fields, and a dog park.

Facts & features

Interior

Features

  • Decorative Designer Lighting Fixtures
  • Eat In Kitchen
  • Granite Counters
  • High Speed Internet
  • Kitchen Island
  • Multiple Master Suites
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Walk In Closets

Heating & cooling

  • Heating: Central, Natural Gas, Zoned
  • Cooling: Central Air, Electric, Zoned

Flooring

  • Carpet
  • Ceramic Tile
  • Hardwood
  • Luxury Vinyl Plank
  • Tile

Appliances

  • Convection Oven
  • Dishwasher
  • Electric Oven
  • Gas Cooktop
  • Disposal
  • Microwave
  • Refrigerator
  • Vented Exhaust Fan
  • Washer

Fireplace

  • Fireplaces: 1
  • Family Room
  • Gas Starter
  • Wood Burning

Laundry

  • Electric Dryer Hookup
  • Laundry In Utility Room

Exterior & lot

Features

  • Dog Run
  • Gas Grill
  • Outdoor Grill
  • Outdoor Kitchen
  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Shingle
  • Foundation: Slab
  • Materials: Brick

Parking

  • Garage spaces: 3
  • Covered
  • Door Multi
  • Driveway
  • Garage
  • Garage Door Opener
  • Garage Faces Side
  • Storage
  • Workshop In Garage

Pool

  • Community

Lot

  • Interior Lot
  • Landscaped
  • Sprinkler System

Community

Neighborhood

  • Subdivision: Ridgecrest Ph II

HOA

  • Greenhouse

Schools

  • District: McKinney ISD
  • Elementary: Lizzie Nell Cundiff McClure
  • Middle: Dr Jack Cockrill
  • High: McKinney North

Financial & listing details

Listing

  • Price per sq ft: $162
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$6,020/mo

Principal & interest
$4,671/mo
Property taxes
$974/mo
Homeowners insurance (est.)
$301/mo
HOA dues
$74/mo
Loan amount
$580,500
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.

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 Kelly Rudiger, Russell Realty · MLS #21258036 · 469-919-4567

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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