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Financing available

$489,900

820 Cedar Creek Circle, Bonham, TX 75418

3
beds
2.5
baths
3,538
sqft

Est. with seller financing: $4,598/mo

  • Single-family
  • Built in 1998
  • 15,856 sq ft lot
  • $138/sqft
  • Fannin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Your Dream Country Estate on Over a Third Acre with Cul-de-Sac Appeal! Impeccably maintained and move-in ready, this spacious home offers the perfect blend of comfort, entertaining, and outdoor living. Situated on an oversized lot, the private backyard retreat features a sparkling pool, expansive grassy area, mature trees, and a traditional brick fireplace perfect for gathering with family and friends.The chef-inspired kitchen showcases granite countertops, abundant white cabinetry, a large center island, spacious pantry, and oversized utility room. The inviting family room offers soaring ceilings, abundant natural light, and walls of windows overlooking the backyard oasis. A desirable dual-staircase design adds both character and functionality.The spacious first-floor primary suite features dual walk-in closets, a relaxing garden tub, and room for a sitting area. Upstairs you'll find generously sized secondary bedrooms plus a large flex space ideal for a game room, media room, or entertaining area complete with a built-in bar and fireplace. The garage includes a dedicated workshop area, perfect for hobbies, projects, or additional storage. Major updates include over $20,000 invested in newer HVAC systems and attractive cedar fencing, providing both peace of mind and enhanced privacy. Enjoy the best of North Texas outdoor living with convenient access to Lake Bonham, Lake Bois d'Arc, and the new Ralph Hall Lake, offering boating, fishing, kayaking, camping, and hiking opportunities. Historic Downtown Bonham features local boutiques, restaurants, wineries, coffee shops, farmers markets, and community events throughout the year. Convenient access to Sherman, McKinney, Greenville, and the growing North Texas corridor provides a perfect balance of country charm and city convenience.Whether you're entertaining poolside, enjoying lake weekends, gardening, or simply relaxing under the Texas sky, this exceptional property offers the lifestyle you've been searching for.

Facts & features

Interior

Features

  • Dry Bar
  • Decorative Designer Lighting Fixtures
  • High Speed Internet
  • Multiple Staircases
  • Cable Tv
  • Wired For Sound

Heating & cooling

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

Flooring

  • Carpet
  • Ceramic Tile

Appliances

  • Double Oven
  • Dishwasher
  • Electric Cooktop
  • Disposal
  • Microwave

Fireplace

  • Fireplaces: 1
  • Decorative
  • Gas Log
  • Gas Starter
  • Wood Burning

Exterior & lot

Features

  • Fire Pit

Construction

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

Parking

  • Garage spaces: 2
  • Garage Faces Front
  • Oversized

Pool

  • Gunite
  • Heated
  • In Ground
  • Pool

Lot

  • Acreage
  • Back Yard
  • Cul De Sac
  • Interior Lot
  • Lawn
  • Subdivision
  • Sprinkler System
  • Few Trees

Community

Neighborhood

  • Subdivision: Cedar Creek Add 2

Schools

  • District: Bonham ISD
  • Elementary: Finleyoate
  • Middle: Rather
  • High: Bonham

Financial & listing details

Listing

  • Price per sq ft: $138
  • County: Fannin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,598/mo

Principal & interest
$3,548/mo
Property taxes
$821/mo
Homeowners insurance (est.)
$229/mo
Loan amount
$440,910
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

Your next home may have more than one path to ownership.

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Finding the right home is half the equation. Financing that works for your situation is the other half. This home may be eligible for our seller financing, also called owner financing, an option for buyers a traditional mortgage hasn't worked for.

It may be worth a look if you:

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 Kristen Mackey, Better Homes and Gardens Real · MLS #21302808 · 972-774-9888

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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