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B+
NoAgentList RatingHow are grades calculated? Info

$403,000

3958 Oak Creek Cir, Denison, TX, 75020

$433,036 ARVInfo
Off MarketInfo
Beds5 Beds
Baths3 Bath
Baths2,706 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$153.36 / sqft
Year BuiltBuilt in 2022

Property Lead Type:

Off-Market ListAbsentee Owner

Highlights

Interior

Bedrooms 5Bedrooms 5
Bathrooms Full 3Bathrooms Full 3
Garage AvailableGarage Available
AppliancesDishwasher, Disposal, Microwave, Tankless Water Heater
FlooringCarpet, Tile, Vinyl

Exterior

Exterior FeaturesRain Gutters, Private Yard
Lot Size4,792 sqft

Building Information

Year Built2022
Garage Spaces2

Land Information

APN100 8094046
Lot Number20
SubdivisionReserve Phase 1-3
Land UseResidential
Legal DescriptionRESERVE PHASE 1-3, BLOCK C, LOT 20, ACRES .11
Census Tract000901
Assessed Land Value$39,866
Assessed Improvement Value$363,134
Assessment Year2025

About this property

Welcome to this stunning two-story, 5-bedroom, 3-bathroom home built in 2022, nestled in a prime location with convenience and style in mind. This beautifully designed home offers an open floorplan with an abundance of natural light. The spacious eat-in kitchen is the heart of the home with a large island, pantry, stainless steel appliances and ample cabinet space! This layout seamlessly integrates the kitchen with the massive living area, perfect for gatherings. On the second floor, a colossal game room, media room, or dedicated workout space-the possibilities are endless! A unique feature is the unfinished safe room tucked under the stairs in the first-floor bedroom closet, already run with electric, which could also serve as extra storage space. Outside, a covered patio overlooks your peaceful back yard & meticulous landscaping. Close to Texoma Medical Center, Town Center for shopping, HeyDay, Urban Air, and THF Park with its scenic trails, playground, ball fields, and more.

Investor Tools

Property Icon
$403,000
Estimated Property Value
$395,700Estimated Mortgage Balance
$24,003Estimated Equity
2% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
$433,035
Rent-to-Value Ratio: 0.72%
Rent Estimate
$2,490 /month
Positive
Cash Flow Estimate:
$830 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$831/month
$550/month
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$7,957
$403,000
2025
$39,866
$363,134
$403,000
No

Tax History

Year
Tax Paid
Assessed Value
2024
$7,957
$403,000

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
United Wholesale Mortgage
Fha
$395,700
Yes
First
Jan 19, 2024
Feb 2054

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$378,997
$24,003
5%
94%
$2,373/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: Denison

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3958 Oak Creek Cir | Property Details | No Agent List