Active
2 units3 bd3 ba2,217 sqft
Cost to live here
$2,343/moafter $1,138/mo in rent
Income to qualify: about $78,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$468,990•House + ADU
1604 Ramble Way, Celina, TX 75009
4038 Heritage Trail, Celina, TX 75009
Active
Listed 146 days agoOwner-Occupant Eligible
About $6,564 a month to live here, after the rent from the other home.
Duplex4,296 sqft6 beds4 bathsListed Jun 19, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$6,564a month
The other home rents for $2,000. We hold back $330 of that for repairs and an empty month, and the rest goes toward a $8,234 monthly payment.
Income to qualify: about $212,000 a year
With how much down?
At 20% down ($252,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Get rich slow: keep this loan ten years and the payments pay off about $174,000 of it. See the ten-year math
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.
$44,100 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Two single-family houses on 1 acre with NO HOA! Features two separate homes totaling 4,296 sqft with 6 bedrooms, 4 bathrooms, 2 kitchens, a 3-car garage, and additional covered parking, artificial turf golf green and patio. Main home offers 3 beds, 2 baths, and 2,248 sq ft of single-story living. Second home features 3 bed, 2 bath, 2,048 sq ft, two-story living, ideal for other generations, guests, rental income, or a private office. Conveniently located on the south side of Celina near Hwy 380 and the Dallas North Tollway with easy access to Prosper amenities, Costco, Lowe’s, Home Depot, Academy Sports, EOS Fitness, Walmart, Sprouts, Life Time Fitness, Universal Kids Resort, and PGA Headquarters. Highly rated schools and endless possibilities on a spacious 1-acre lot. Whether you’re seeking a true multi-generational living arrangement, additional space for family members, or an investment with flexibility and room to grow, this exceptional property delivers a rare combination of privacy, convenience, acreage, and location.
Duplex
Property Type
43,996 sqft
Lot Size
1997
Year Built
Listing Date: 06/19/2026
Listed by: Megan Yang
Listing office: Yangtze Realty LLC
Source: NTREIS #21307040
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%
$1,260,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$1,260,000
Your Down Payment$252,000
Financed$1,008,000
Estimated Monthly Payment$8,234
Before rent: principal and interest at 5.6% 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 ($252,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$8,234/month
Principal + Interest
$5,787Property Taxes
$1,709Home Insurance
$738Rental Income (1 Unit)
$2,000/month
From the listing description.
Rental Expenses
-$330Cost to live hereCost to live here, after rent
$6,564/month
Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.
LOCATION
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.
MLS# 21307040 · Listing office: Yangtze Realty 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.
