Selected for the Terner Labs Housing Venture Lab

4304 Caney Creek Circle, Celina, TX 75078

Active
Listed 110 days ago
Owner-Occupant Eligible
$550,000

About $2,871 a month to live here, after the rent from the other home.

House + ADU2,750 sqft4 beds3 bathsListed Jul 25, 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

$2,871a month

The second home on the lot rents for $1,138. We hold back $171 of that for repairs and an empty month, and the rest goes toward a $3,838 monthly payment.

Income to qualify: about $95,000 a year

With how much down?

At 20% down ($110,000) 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 $72,000 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.

$16,500 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Nestled on a generous cul-de-sac lot and designed with multigenerational living in mind, this exceptional floor plan offers the rare flexibility of two thoughtfully connected living spaces under one roof. The private NEXT Gen Suite features its own entrance, living room, kitchenette, full bath, and one or two bedrooms—ideal for aging parents, adult children, extended family, guests, or a private home office. The main residence is equally impressive, featuring a gourmet island kitchen with granite countertops, stainless steel appliances, and open into the soaring family room with a fireplace and wall of windows. One of the sellers’ favorite features is the fully enclosed, screened patio with three doors, creating a comfortable year-round extension of the living space. Nestled on a premium oversized cul-de-sac lot that feels like your own private park, the expansive backyard offers exceptional space for entertaining, play, gardening, or simply enjoying time together. The luxurious primary suite features a spa-inspired bath with a soaking tub, separate shower, dual vanities, and two spacious walk-in closets. Additional highlights include energy-efficient green features, high ceilings, thoughtful upgrades, and an ideal location within a community offering a fitness center and access to top-rated Prosper ISD schools. Just minutes from H-E-B, Prosper Football Stadium, the new Costco, shopping and dining, this home delivers the rare combination of independence, connection, flexibility, and convenience that today’s multigenerational families are looking for. MOTIVATED SELLER!

House + ADU

Property Type

19,776 sqft

Lot Size

2018

Year Built

Listing Date: 07/25/2026

Listed by: Steven McCoy

Listing office: McCoy Realty

Source: NTREIS #21370510

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%
$550,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$550,000
Your Down Payment$110,000
Financed$440,000
Estimated Monthly Payment$3,838

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 ($110,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,838/month
Principal + Interest
$2,638
Property Taxes
$673
Home Insurance
$449
HOA$78
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$171
Cost to live here
$2,871/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# 21370510 · Listing office: McCoy Realty

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.