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Sean Harris

sean@seansells806.com +1(806) 809-5690

$ 289,990

Est. payment | -/mo

3 Beds

2 Baths

1,670 SqFt

Save

$ 289,990

Est. payment | -/mo

Save

3 Beds

2 Baths

1,670 SqFt

Key Details

Property Type Single Family Home

Sub Type Single Family Residence

Listing Status Active

Purchase Type For Sale

Square Footage 1,670 sqft

Price per Sqft $173

MLS Listing ID 202609769

Style Ranch

Bedrooms 3

Full Baths 2

HOA Y/N No

Year Built 2022

Annual Tax Amount $4,562

Lot Size 6,230 Sqft

Acres 0.14

Property Sub-Type Single Family Residence

Source Lubbock Association of REALTORS®

Property Description

NEWLY BUILT 2022 SHALLOWATER HOME — 6.99% OWNER FINANCED!Price: $289,990 | $0 DOWN PAYMENT | NO BANK NEEDED Why pay 9% or 10% for creative financing? Skip strict traditional bank underwriting and secure a beautiful, newly built 2022 1,670 sq ft construction home on 14th Street in the highly coveted Shallowater ISD! Perfect for local business owners, self-employed contractors, medical staff, or anyone looking to buy without bank hassle. THE LOCATION: Shallowater, TX (14th Street)Highly rated Shallowater School District magnet. Quiet, safe, family-centric community. Just a 12-minute straight shot down Clovis Road into Lubbock! HOME HIGHLIGHTS: Pristine, newly construction 2022 (1,670 sq ft).Spacious 3 Bedroom / 2 Bathroom open-concept layout. Gourmet kitchen with modern finishes. Private, isolated master suite with double closets. Attached 2-car garage. THE PURE MATH: Down Payment: $0 Down Options Available! Interest Rate: 6.99% Locked (30-Year Fixed Note). Closing Costs: $7,500 flat cash due at closing (covers title, escrow, legal, and RMLO setup). Estimated Total Monthly Payment: ~$2,377/month (Includes principal, interest, estimated property taxes, and home insurance). MINIMUM REQUIREMENTS TO QUALIFY: Verifiable Income: Gross household income of $8,325+ per month (W2, 1099, or 12 months of business bank statements). Rental History: Clean history with no recent evictions or landlord judgments. Liquid Cash: $7,500 cash available for closing day. Compliance: All screening and processing are handled safely and legally through our Licensed Texas RMLO. We look at your true income and stability, not just a credit score! HOW TO APPLY / TOUR: Message us directly right now to get our simple 1-page pre-screen form or to schedule a private walkthrough this week. At 6.99% interest and $0 down, this home will lock down fast! Disclaimer: Rates and terms are subject to final buyer qualification and underwriting approval through a Texas Licensed Residential Mortgage Loan Originator (RMLO) in compliance with the Texas Secure Act and Dodd-Frank regulations. Estimated monthly payments may vary slightly based on final insurance quotes and tax assessments.

Location

State TX

County Lubbock

Area 12

Rooms

Basement Basement

Interior

Interior Features Chandelier, Granite Counters, Open Floorplan

Heating Central

Cooling Ceiling Fan(s), Central Air

Fireplace No

Laundry Laundry Room

Exterior

Exterior Feature Private Yard

Parking Features Attached, Garage, Garage Door Opener

Garage Spaces 2.0

Garage Description 2.0

Fence Back Yard

Roof Type Composition

Garage Yes

Building

Story 1

Foundation Slab

Architectural Style Ranch

New Construction No

Schools

Elementary Schools Shallowater

Middle Schools Shallowater

High Schools Shallowater

School District Shallowater Isd

Others

Tax ID R336685

Acceptable Financing Cash, Conventional, FHA, Owner May Carry, Owner Will Carry, Private Financing Available, VA Loan

Listing Terms Cash, Conventional, FHA, Owner May Carry, Owner Will Carry, Private Financing Available, VA Loan

Listed by Lubbock Discount Realty

Schools and Properties Nearby

Find out why customers are choosing LPT Realty to meet their real estate needs

+1(806) 809-5690

sean@seansells806.com

Lubbock, TX

Learn More About LPT Realty

1410 14th Street Shallowater, TX 79363