Selected for the Terner Labs Housing Venture Lab

2821 WINDING CREEK Road, Prosper, TX 75078

Active
Listed 90 days ago
Owner-Occupant Eligible
$1,399,000

About $8,314 a month to live here, after the rent from the other home.

House + ADU4,418 sqft5 beds5 bathsListed Aug 14, 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

$8,314a month

The second home on the lot rents for $1,392. We hold back $230 of that for repairs and an empty month, and the rest goes toward a $9,476 monthly payment.

Income to qualify: about $249,000 a year

With how much down?

At 20% down ($279,800) 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 $183,000 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.

$41,970 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

GUEST HOUSE, POOL & 1.28 ACRE LOT! Welcome to your private resort paradise nestled on a 1.28 acre lot in the prestigious Gentle Creek Estates Golf Course Community. The highlight of this estate is the extraordinary 769 SF guest house, a fully self-contained retreat designed for year-round enjoyment. A complete bedroom, living area, kitchen and full bathroom make this space ideal for guests, entertaining, or extended stays without ever stepping inside the main house. The main residence offers 4 bedrooms, 4 baths, and 3,649 SF of thoughtfully designed living space. The open concept living areas are designed for both grand entertaining and quiet everyday moments, with natural light pouring through the floor-to-ceiling windows and rich wood floors flowing seamlessly from room to room. The beautifully updated kitchen is a chef's dream, offering ample counter space, modern finishes, and a layout that keeps you connected to family and guests while you cook. The updated primary suite is a serene escape of its own, featuring a spa-inspired ensuite bath and generous closet space, the perfect place to unwind after a long day. Upstairs, you will find 3 additional bedrooms and a game room providing the perfect flex space for movie nights, a home gym, or a playroom. Step outside to your own private oasis with a resort-style pool and natural stone waterfall, ideal for cooling off on warm Texas days or hosting unforgettable gatherings. Fully fenced 1.28 acre lot with storage building. Private guest house, you have the ultimate flexibility for hosting visitors, multi-generational living, or even a home office or studio. Situated in the sought-after Gentle Creek Estates community, you are just minutes from world-class golf, upscale shopping and dining, and easy access to major highways. Zoned for Prosper ISD and Walnut Grove High School, this home delivers the ultimate blend of luxury, privacy, and location.

House + ADU

Property Type

55,757 sqft

Lot Size

1999

Year Built

Listing Date: 08/14/2026

Listed by: Nancy Floyd

Listing office: Keller Williams Prosper Celina

Source: NTREIS #21338174

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%
$1,399,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,399,000
Your Down Payment$279,800
Financed$1,119,200
Estimated Monthly Payment$9,476

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 ($279,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$9,476/month
Principal + Interest
$6,710
Property Taxes
$1,911
Home Insurance
$758
HOA$97
Rental Income (1 Unit)
$1,392/month

From the listing description.

Rental Expenses
-$230
Cost to live here
$8,314/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# 21338174 · Listing office: Keller Williams Prosper Celina

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.