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$1,093,021

NAL Estimated Property Value

3820 Saddle Creek, Denison, TX, 75020

Off MarketInfo
Baths0 Bath
Baths3,871 Sq Ft

Highlights

Interior

Bathrooms 0Bathrooms 0
Garage AvailableGarage Available

Exterior

Lot Size25,178 sqft

Building Information

Year Built2023
Garage Spaces3

Land Information

APN076 7468012
Lot Number9
SubdivisionSaddle Creek Addn Phase One
Land UseResidential
Legal DescriptionSADDLE CREEK ADDN PHASE ONE, BLOCK B, LOT 9, ACRES .578
Census Tract000901
Assessed Land Value$149,304
Assessed Improvement Value$943,717
Assessment Year2025

About this property

Looking for beautiful place to build your luxury home? You just found it! Saddle Creek is the premier subdivision in the Gateway Village family. These beautiful homesites have beautiful views. This lot has already had the ground preparation done which is valued at $16,500. This build-ready lot has the water meter installed and it has its SW3P Permit. A walking trail winds through the subdivisions and it will have a concrete walkway from Saddle Creek. With easy access to Texoma Medical Center and the new Texoma Health Foundation Park, along with nearby shopping, and Hyde Park Elem, Saddle Creek is an ideal place to WORK PLAY DINE SHOP and LIVE. This is more than just a lot; it's a lifestyle.

Investor Tools

Property Icon
$1,093,021
Estimated Property Value
$626,889Estimated Mortgage Balance
$466,132Estimated Equity
42% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$6,558 /month
Positive
Cash Flow Estimate:
$2,186 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$1,437/month
$1,200/month
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$11,781
$1,093,021
2025
$149,304
$943,717
$1,093,021
No

Tax History

Year
Tax Paid
Assessed Value
2024
$11,781
$1,093,021

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Sage Home Loans Corp
Conventional
$633,340
No
First
Oct 21, 2025
Nov 2055

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$626,889
$466,132
42%
57%
$3,798/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.

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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: Denison

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3820 Saddle Creek | Property Details | No Agent List