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$742,000

NAL Estimated Property Value

3106 Saint Germain Dr, McKinney, TX, 75070

Off MarketInfo
Beds4 Beds
Baths4 Bath
Baths3,515 Sq Ft
price_per_sqft$213.37 / sqft
Year BuiltBuilt in 1994

Property Lead Type:

Off-Market ListAbsentee OwnerHigh EquityMove-In Ready

Highlights

Interior

Bedrooms 4Bedrooms 4
Bathrooms 4Bathrooms 4
Garage AvailableGarage Available
AppliancesWater Purifier, Dishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Oven, Microwave, Vented Exhaust Fan
FlooringHardwood, Laminate, Tile

Exterior

Private PoolPrivate Pool
Exterior FeaturesRain Gutters, Private Yard

Building Information

Year Built1994
Stories2
Garage Spaces3

Land Information

APNR-2813-00C-0180-1
Lot Number18
SubdivisionEldorado Estates Phase Ii (Cmc)
Land UseResidential
Legal DescriptionELDORADO ESTATES PHASE II (CMC), BLK C, LOT 18
Census Tract030606
Assessed Land Value$170,000
Assessed Improvement Value$525,925
Assessment Year2025

About this property

***Multiple offers received. Please submit the highest & best by 8 pm on Sunday, May 17th*** Completely updated and loaded with luxury features, this rare gem in Eldorado Estates is zoned to highly acclaimed McKinney ISD schools! The striking limewash white exterior creates standout curb appeal and welcomes you into a home filled with elegant updates and natural light. A stunning staircase, replaced less than a year ago, makes a grand first impression alongside the spacious family room with soaring windows. The formal dining room was beautifully redesigned in 2025 with custom wainscoting, elegant wallpaper, and a built-in cabinet. At the heart of the home, the fully updated kitchen features gorgeous quartz countertops, a mother-of-pearl backsplash extending into the breakfast area, and high-end appliances installed in 2025. The bright living room offers a cozy gas fireplace, built-in sound system, and expansive new windows replaced in 2024. A full downstairs bathroom with direct pool access adds convenience for entertaining. Upstairs features 4 spacious bedrooms, 3 full bathrooms, and an enclosed game room that can also serve as a media room or fifth bedroom. All bathrooms have been updated with new cabinet doors and designer lighting. The oversized primary suite overlooks the serene backyard oasis, while the spa-like bath offers a jacuzzi tub and a custom walk-in closet system. Step outside to your private retreat featuring a sparkling pool and spa with water features, a covered patio and pergola added in 2021, plus a removable safety fence for kids and pets. Additional upgrades include Jellyfish exterior lighting with app-controlled colors, automatic window shades, under-sink water purifier, new sod in 2025, and pre-wired security cameras that convey with the home! You will not find another home like this in the middle of McKinney close to everything! And did we mention No HOA? Do not miss this opportunity and come take a tour!

Investor Tools

Property Icon
$742,000
Estimated Property Value
$307,827Estimated Mortgage Balance
$434,173Estimated Equity
58% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$4,500 /month
Positive
Cash Flow Estimate:
$1,500 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$1,079/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$9,234
$695,925
2025
$170,000
$525,925
$695,925
No

Tax History

Year
Tax Paid
Assessed Value
2024
$9,234
$695,925

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Loanflight Lending Llc
Conventional
$341,000
No
First
May 11, 2021
Jun 2051

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$307,827
$434,173
58%
41%
$2,045/mo

Learn About the Market: Opportunity in Texas

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Explore

Texas

Living in Texas means access to four of the nation’s most dynamic metro economies — Dallas–Fort Worth’s corporate and logistics powerhouse, Houston’s global energy and medical hub, Austin’s tech-driven and culturally iconic Live Music Capital of the World, and San Antonio’s historic yet steadily expanding military and healthcare center. The state blends economic scale with cultural significance, rooted in independence, entrepreneurship, and a strong sense of place — from Friday night football to world-renowned barbecue and music festivals. For homebuyers, Texas offers comparatively attainable housing, no personal income tax, and master-planned communities built around space and convenience; for investors, continued population growth, business relocation, and diversified industries create sustained demand across urban cores, suburbs, and emerging secondary markets.

Explore Texas Explore This Area
Population Growth

Population Growth

~1.3% annually

Net Migration

Net Migration

Positive

Median Home Price

Median Home Price

$283,800

Unemployment Rate

Unemployment Rate

4.3%

Price Trend

Price Trend

Flat

New Permits

New Permits

158,121

City: McKinney

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