About $6,068 a month to live here, after the rent from the other home.
A house with a second home on the lot. Live in one and rent out the other. How it works
Live here for about
The second home on the lot rents for $1,138. We hold back $205 of that for repairs and an empty month, and the rest goes toward a $7,001 monthly payment.
Income to qualify: about $185,000 a year
With how much down?
At 20% down ($200,000) 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 $131,000 of it. See the ten-year math
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.
$30,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
Welcome to 3201 Carmel Street! This truly special and one-of-a-kind property is tucked away in the highly sought-after Montecito Subdivision in Denton, Texas. Set on an expansive and beautifully landscaped 1.67-acre lot, this exceptional home is surrounded by stunning mature trees that provide both shade and serene natural beauty. With no HOA and room to roam, this property blends peaceful country living with upscale amenities in one of Denton's most desirable neighborhoods. The main home offers a thoughtfully designed living space, featuring five spacious bedrooms and three full bathrooms. Inside, you'll find a warm and inviting atmosphere with rich finishes and timeless touches. The heart of the home is a large, chef-inspired kitchen with a massive island, gorgeous granite countertops, and abundant cabinetry—perfect for hosting family and friends. Step into your private backyard oasis, where you'll find a sparkling fenced pool, a handy outdoor shower, and a charming pool house complete with its own full kitchen, bathroom, and split HVAC system. Whether you're entertaining, accommodating guests, working from home, or creating a private retreat, this space offers comfort and flexibility. This unique property also includes a spacious 200 square foot barn with ample storage, a convenient dog run, RV hookup, and dedicated space to park your boat. The fully irrigated lot ensures lush landscaping year-round, while the whole-house water filtration system adds another layer of comfort and quality. Montecito Del Sur is known for its friendly community, spacious lots, and peaceful atmosphere—making it one of Denton's most beloved neighborhoods. With its rare blend of beauty, privacy, functionality, and location, 3201 Carmel Street is more than just a home—it's a lifestyle. Come experience the charm and character of this extraordinary property for yourself!
House + ADU
Property Type
73,007 sqft
Lot Size
1968
Year Built
Listing Date: 07/16/2026
Listed by: Jordan Burks
Listing office: Post Oak Realty, LLC
Source: NTREIS #21330360
Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.
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.
Change your offer and watch the monthly cost move.
Purchase Price
List Price
How much do you want to put down?
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.
Estimate at 20% down ($200,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
From the listing description.
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
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# 21330360 · Listing office: Post Oak 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.
At 20% down, 30-year fixed. From 3.5% down.
At 20% down, 30-year fixed. From 3.5% down.
At 20% down, 30-year fixed. From 3% down.
At 20% down, 30-year fixed. From 5% down.