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Financing available

$544,900

987 Midnight Pass, Rockwall, TX 75087

4
beds
2
baths
2,289
sqft

Est. with seller financing: $4,861/mo

  • Single-family
  • Built in 1998
  • 8,930 sq ft lot
  • $238/sqft
  • $48/mo HOA
  • Rockwall County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Beautifully maintained and truly move-in ready, this single-story, four-bedroom home is located in the quiet Carruth Lake community of Rockwall. The spacious, well-designed floor plan features no carpet throughout, a dedicated study with custom barn doors, and generously sized secondary bedrooms. The private primary suite includes a beautifully updated bath with an automatic toilet and stylish finishes. Step outside to your own backyard retreat with a sparkling heated pool and spa, perfect for relaxing, entertaining or enjoying Texas summers. Recent improvements include a new HVAC system and new water heater, while a whole-home generator provides added convenience and peace of mind. With comfortable living spaces, thoughtful updates and desirable single-story living, this home offers an easy, move-in-ready lifestyle in an established Rockwall neighborhood convenient to shopping, dining, schools and every day amenities.

Facts & features

Interior

Features

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

Heating & cooling

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

Flooring

  • Ceramic Tile
  • Hardwood
  • Tile
  • Wood

Appliances

  • Some Gas Appliances
  • Convection Oven
  • Dishwasher
  • Electric Oven
  • Gas Cooktop
  • Disposal
  • Gas Water Heater
  • Microwave
  • Plumbed For Gas
  • Vented Exhaust Fan
  • Wine Cooler

Fireplace

  • Fireplaces: 1
  • Decorative
  • Gas
  • Gas Log
  • Gas Starter
  • Living Room
  • Masonry
  • Raised Hearth

Laundry

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

Exterior & lot

Features

  • Lighting
  • Private Yard
  • Rain Gutters

Construction

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

Parking

  • Garage spaces: 2
  • Concrete
  • Covered
  • Direct Access
  • Door Single
  • Driveway
  • Enclosed
  • Garage
  • Garage Door Opener
  • Inside Entrance
  • Kitchen Level
  • Lighted
  • Private
  • Garage Faces Side
  • Storage

Pool

  • Gunite
  • Heated
  • In Ground
  • Outdoor Pool
  • Pool
  • Private
  • Pool Sweep
  • Pool Spa Combo
  • Waterfall
  • Water Feature

Lot

  • Interior Lot
  • Landscaped
  • Subdivision
  • Few Trees

Community

Neighborhood

  • Subdivision: Caruth Lake Ph 4

HOA

  • Goodwin & Co

Schools

  • District: Rockwall ISD
  • Elementary: Dobbs
  • Middle: Herman E Utley
  • High: Rockwall

Financial & listing details

Listing

  • Price per sq ft: $238
  • County: Rockwall
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$4,861/mo

Principal & interest
$3,946/mo
Property taxes
$613/mo
Homeowners insurance (est.)
$254/mo
HOA dues
$48/mo
Loan amount
$490,410
Seller financing rate (est.)
9.00%
Term
30-year fixed
Powered byDoorly

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

Patty Sheets

Coldwell Banker Realty

972-691-7580

MLS #
21336279

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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