Selected for the Terner Labs Housing Venture Lab

815 VZ County Road 4409, Ben Wheeler, TX 75754

Active
Listed 150 days ago
Owner-Occupant Eligible
$389,000

About $1,610 a month to live here, after the rent from the other home.

House + ADU1,663 sqft3 beds2 bathsListed Jun 15, 2026

A house with a second home on the lot. Live in one and rent out the other. How it works

Live here for about

$1,610a month

The second home on the lot rents for $1,138. We hold back $222 of that for repairs and an empty month, and the rest goes toward a $2,526 monthly payment.

Income to qualify: about $60,000 a year

With how much down?

At 20% down ($77,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $51,000 of it. See the ten-year math

See which homes fit your numbers
How we work this out

The cost to live here is the loan payment, taxes, insurance and any dues, less the rent, with a little held back for repairs and an empty month. Income to qualify uses a 43% debt-to-income limit, counts 75% of the rent, and none of your other debts.

$11,670 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

*Motivated Sellers* Offering $ Seller Concessions for offers accepted by: November 2026. Do Not Miss this Stunning Property! 815 VZ County Road 4409 in Ben Wheeler, Texas a rare opportunity to own an updated country home on acreage in East Texas where beautiful scenery, thoughtful upgrades, and endless possibilities abound. From the moment you arrive, you'll be captivated by the mature trees, rolling terrain, wide-open views, and peaceful setting that make this property feel like your own private retreat. Whether you're dreaming of horses, hobby farming, outdoor adventures, weekend escapes, or simply enjoying the tranquility of country living, this property delivers. At the heart of the property sits a beautifully updated single-story home offering 3 bedrooms and 2 bathrooms with a warm, inviting layout designed for both everyday comfort and entertaining. Inside, find extensive renovations with updated flooring, fresh paint, upgraded tile work, stylish backsplash, remodeled kitchen and bathrooms, and a fresh modern-country aesthetic that feels both timeless and welcoming. A recently installed roof with warranty provides added peace of mind. Step outside and discover where this property also shines. A custom workshop and barn provide space for projects, equipment, storage, or recreational use. The charming cabin qtrs. add character and flexibility, as a temporary guest spot or studio. Every direction offers picturesque views of pasture, hillside, or established tree lines with a setting rarely found and difficult to replicate. Horse-Ready and adventure-ready, this property is perfectly suited as a full-time residence or weekend escape from the Dallas or Tyler, TX areas. Properties like this don't come along often with a beautifully updated home, versatile outbuildings, and over 7 breathtaking acres wrapped into one incredible package. Truly, this is the property you've been waiting for. Schedule your Showing and experience everything 815 VZ CR 4409 has to offer!

House + ADU

Property Type

331,056 sqft

Lot Size

1961

Year Built

Listing Date: 06/15/2026

Listed by: Jason C. Wynn

Listing office: Legacy & Co. Real Estate LLC

Source: NTREIS #21301975

Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.

CHOOSE YOUR UNIT

Tap the one you would live in. The rest pay rent, and that rent comes off your monthly cost.

If someone lives in the unit you want, or a lease comes with the home, ask how moving in works on this one.

CHECK OUR MATHEvery line of the monthly cost is in here. Change the price or the down payment and watch it move.

OFFER PRICE

Change your offer and watch the monthly cost move.

Purchase Price

-15%
$389,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$389,000
Your Down Payment$77,800
Financed$311,200
Estimated Monthly Payment$2,526

Before rent: principal and interest at 6.0% on a 30-year fixed loan, taxes, insurance and any HOA dues. Your rate and down payment change this.

MONTHLY BREAKDOWN

Estimate at 20% down ($77,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,526/month
Principal + Interest
$1,866
Property Taxes
$385
Home Insurance
$275
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$222
Cost to live here
$1,610/month

Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.

BEFORE YOU OFFER

Now run it on your paycheck.

This page is priced at one down payment and one rate. Send the address and we run it at yours: what you would pay each month after rent, and which loan works on this home.

Free. No credit pull.

NTREIS logo

MLS# 21301975 · Listing office: Legacy & Co. Real Estate LLC

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the NTREIS Multiple Listing Service. Real estate listings held by brokerage firms other than this broker are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers.