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Financing available

$550,000

8620 Backwater Bay Cove, McKinney, TX 75071

4
beds
3
baths
3,025
sqft

Est. with seller financing: $5,047/mo

  • Single-family
  • Built in 2019
  • 6,011 sq ft lot
  • $182/sqft
  • $131/mo HOA
  • Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Step inside to soaring ceilings, beautiful wood flooring, and an open, light-filled floor plan designed for both everyday living and entertaining. A secondary bedroom and adjacent full bath are conveniently located near the front of the home, along with a private office featuring French door entry. A built-in hall tree provides a stylish and functional drop zone just off the main living areas. The chef-inspired kitchen is the heart of the home, featuring a large center island, quartz countertops, decorative backsplash, gas cooktop, stainless steel appliances, and modern white cabinetry. A dedicated coffee bar complements the open dining area, which flows seamlessly into the spacious living room. Abundant natural light fills the space, while a soaring stone fireplace surround with gas logs creates an impressive focal point. The oversized primary suite offers a private retreat with French door entry into the ensuite bath, featuring dual sinks, a spacious walk-in shower, marble-look tile flooring, and a generous walk-in closet. Upstairs, two additional secondary bedrooms share a full bath with dual sinks. A spacious game room provides additional living space alongside a separate media or flex room with French door entry. Outside, enjoy a covered patio and privacy-fenced backyard. The home faces an expansive greenbelt rather than neighboring homes, offering an open view just across the street. Walking trails, wooded natural areas, ponds, pickleball courts, and a basketball court add to the neighborhood amenities, with Frazier Elementary also conveniently located across the street. All of this is just minutes from the shopping, dining, entertainment, and charm of Historic Downtown McKinney.

Facts & features

Interior

Features

  • Built In Features
  • Chandelier
  • Cathedral Ceilings
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • High Speed Internet
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Cable Tv
  • Vaulted Ceilings
  • Walk In Closets

Heating & cooling

  • Heating: Central, Natural Gas
  • Cooling: Central Air, Humidity Control

Flooring

  • Carpet
  • Tile
  • Wood

Appliances

  • Some Gas Appliances
  • Built In Gas Range
  • Dryer
  • Dishwasher
  • Disposal
  • Microwave
  • Plumbed For Gas
  • Washer

Fireplace

  • Fireplaces: 1
  • Family Room
  • Gas Log

Laundry

  • Washer Hookup
  • Electric Dryer Hookup
  • Laundry In Utility Room
  • Stacked

Exterior & lot

Features

  • Private Yard
  • Rain Gutters

Construction

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

Parking

  • Garage spaces: 2
  • Door Single
  • Garage
  • Garage Door Opener

Pool

  • Community

Community

Neighborhood

  • Subdivision: Trinity Falls Planning Unit 3 Ph 1b

HOA

  • CCME

Schools

  • District: McKinney ISD
  • Elementary: Ruth and Harold Frazier
  • Middle: Johnson
  • High: McKinney North

Financial & listing details

Listing

  • Price per sq ft: $182
  • County: Collin
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,047/mo

Principal & interest
$3,983/mo
Property taxes
$676/mo
Homeowners insurance (est.)
$257/mo
HOA dues
$131/mo
Loan amount
$495,000
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

Ryan Cave

Keller Williams Realty Allen

972-747-5100

MLS #
21364504

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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