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$739,190

NAL Estimated Property Value

520 Mary Ruth Pl, Celina, TX, 75009

Off MarketInfo
Beds4 Beds
Baths5 Bath
Baths4,247 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$182.48 / sqft
Year BuiltBuilt in 2022

Property Lead Type:

Off-Market ListAbsentee Owner

Highlights

Interior

Bedrooms 4Bedrooms 4
Bathrooms Full 3.5Bathrooms Full 3.5
AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Convection Oven, Double Oven, Tankless Water Heater, Vented Exhaust Fan
FlooringLaminate, Tile

Exterior

Exterior FeaturesRain Gutters, Lighting
Lot Size8,238 sqft

Building Information

Year Built2021
Stories2
Garage Spaces2

Land Information

APNR-11530-00B-0010-1
Lot Number1
SubdivisionHomestead At Ownsby Farms Phase 1, The (
Land UseResidential
Legal DescriptionHOMESTEAD AT OWNSBY FARMS PHASE 1, THE (CCL), BLK B, LOT 1
Census Tract030306
Assessed Land Value$157,500
Assessed Improvement Value$581,690
Assessment Year2025

About this property

NORTH FACING corner lot home is a show stopper! Grand double door entrance, you’re greeted with a wide foyer with a formal dining on the right and a formal living on the left. Walk past the beautiful wood curved staircase and into a stunning open concept kitchen and living room space. The house is flooded with natural light, along with the high ceilings and the floor to ceiling stone fireplace. The kitchen is equipped with quartz countertops, a large island perfect for entertainment, a walk-in pantry and a hidden coffee-drink station. The luxurious primary suite is spacious with 3 large windows flooding the room with natural light. Enjoy a well lit primary bathroom with double vanity and plenty of counter space. Climb up the spiral staircase into a large game room! Enjoy spacious bedrooms and a theater room equip with in-wall speakers. Step outside into a spacious backyard with an oversized covered patio, perfect for summer cookouts and evening hangouts. Garage features epoxy floors!

Investor Tools

Property Icon
$739,190
Estimated Property Value
$600,305Estimated Mortgage Balance
$138,885Estimated Equity
18% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$4,650 /month
Positive
Cash Flow Estimate:
$1,550 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$1,492/month
$519/month
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$14,214
$739,190
2025
$157,500
$581,690
$739,190
No

Tax History

Year
Tax Paid
Assessed Value
2024
$14,214
$739,190

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
United Wholesale Mortgage
Conventional
$612,000
No
First
Apr 30, 2025
May 2040

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$600,305
$138,885
18%
81%
$3,670/mo

Rental Potential

Est. Monthly Rent
Est. Monthly Expenses
Est. Cash Flow
Gross Yield
$3,480/mo
$4,189/mo
$-709/mo
5.6%

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: Celina

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520 Mary Ruth Pl | Property Details | No Agent List