Real opportunities. Driven by live market signals.
Updated every minute.

Browse Homes — Buy Direct, Deal on Your Terms

Updated Properties Icon
Updated Properties
Last 24 HoursLast 24 Hours
Main property image
Days18Days on Market
Views1view
Gallery image 2
Gallery image 3
Gallery image 4
Gallery image 5

$219,900

3923 River Oaks Circle, Temple, TX, 76504

On MarketInfo
Beds2 Beds
Baths2 Bath
Baths1,397 Sq Ft
SingleFamilyResidenceSingleFamilyResidence
price_per_sqft$157.41 / sqft
Year BuiltBuilt in 1986

Property Lead Type:

High Equity

Highlights

Interior

Bedrooms 2Bedrooms 2
Bathrooms Full 2Bathrooms Full 2
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
Heating CentralHeating Central
CoolingCooling
AppliancesDishwasher, Electric Range, Refrigerator, Water Heater, Some Electric Appliances, Range
FlooringCarpet, Linoleum, Tile

Exterior

Private PoolPrivate Pool
Exterior FeaturesDeck, Storage
Lot Size9,435 sqft

Building Information

Year Built1986
Stories1
Roof Type105
Garage Spaces2

Land Information

APN51133
Lot Number8
SubdivisionThe Oaks
Land UseResidential
Legal DescriptionTHE OAKS, BLOCK 001, LOT 0008
Census Tract021202
Assessed Land Value$34,500
Assessed Improvement Value$129,609
Assessment Year2025

About this property

Tucked away in The Oaks, this charming garden home offers the perfect blend of low-maintenance living and peaceful surroundings. With 2 bedrooms, 2 bathrooms, and a spacious living area, there's plenty of room to relax, entertain, or simply enjoy a slower pace of life. The thoughtfully designed floor plan features generous storage throughout, including a cedar closet and ample closet space rarely found in homes of this size. The large living room flows easily into the dining and kitchen areas, creating a comfortable and functional space for everyday living. Step outside and enjoy one of this home's most special features—a private deck overlooking a wet-weather creek and mature trees, providing a serene backdrop for your morning coffee or evening unwind. Residents of The Oaks also enjoy access to a community pool, making it easy to enjoy the outdoors without the maintenance of a larger property. Whether you're looking to downsize, simplify, or find a home that's easy to lock and leave, 3923 River Oaks Circle offers comfort, convenience, and a peaceful setting in the heart of Temple

Investor Tools

$212,513Estimated Mortgage Balance
$7,487Estimated Equity
3% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$1,320 /month
Positive
Cash Flow Estimate:
$440 /month

Interested in this property?

Ara McGregor

Native Real Estate

ContactContact

Want alerts when something changes with this property?

Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$409/month
$800/month
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$3,805
$164,109
2025
$34,500
$129,609
$164,109
No

Tax History

Year
Tax Paid
Assessed Value
2024
$3,805
$164,109

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Fairway Independent Mortgage Corp
Fha
$124,699
Yes
First
Dec 20, 2019
Jan 2050

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$212,513
$7,487
3%
97%
$1,390/mo

Rental Potential

Est. Monthly Rent
Est. Monthly Expenses
Est. Cash Flow
Gross Yield
$1,050/mo
$2,190/mo
$-1,140/mo
5.7%

Learn About the Market: Opportunity in Texas

Local Market Pages
Local Market Pages 2Local Market Pages 3Local Market Pages 4

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: Temple

No Agent List Top Properties.

These are Deal List properties graded A+, A.

Loading properties...

Sold Properties

Loading properties...

3923 River Oaks Circle | Property Details | No Agent List