Active
2 units4 bd2 ba2,035 sqft
Cost to live here
$89/moafter $1,820/mo in rent
Income to qualify: about $27,000 a year, rent counted
At 20% down, 30-year fixed. From 3.5% down.
$219,000•Duplex
111 E Spence Street, Sulphur Springs, TX 75482
419 & 421 Mcgrede Drive, Sulphur Springs, TX 75482
Active
Listed 82 days agoOwner-Occupant Eligible
Duplex2,790 sqft3 beds2 bathsListed Aug 22, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$3,085a month
We are still working out the rent on this one.
Income to qualify: about $86,000 a year
With how much down?
At 20% down ($86,000) 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 $59,000 of it. See the ten-year math
How we work this out
No rent is counted for this home yet, so the cost to live here is the whole loan payment, taxes, insurance and any dues. Income to qualify uses a 43% debt-to-income limit and none of your other debts.
$15,050 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
This listing is for 419 & 421 MCgrede . Full duplex . Very rare opportunity to own a full duplex in center of town. Well maintained and cared for by same owner since 1984. New roof 2022, new gutter 2025, 419 has recently been painted with new laminate flooring and tile in 2025. please do not disturb tenants in 421.
Duplex
Property Type
11,108 sqft
Lot Size
1984
Year Built
Listing Date: 08/22/2026
Listed by: Chi Bennett
Listing office: Fathom Realty LLC
Source: NTREIS #21367148
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%
$430,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$430,000
Your Down Payment$86,000
Financed$344,000
Estimated Monthly Payment$3,085
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 ($86,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Current Rent
Current Rent
Market Rent
Estimated Monthly Payment (Before Rental Income)
$3,085/month
Principal + Interest
$1,975Property Taxes
$649Home Insurance
$461Estimated Monthly Payment (Before Rental Income)
$3,085/month
Principal + Interest
$1,975Property Taxes
$649Home Insurance
$461$3,085/month
$1,975
$649
$461
Rental Income (1 Unit)
Not yet estimated
Rental Income (1 Unit)
Not yet estimated
Not yet estimated
Cost to live hereCost to live here, after rent
$3,085/month
Cost to live hereCost to live here, after rent
$3,085/month
$3,085/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# 21367148 · Listing office: Fathom 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.
