Selected for the Terner Labs Housing Venture Lab

3051 Kessler Drive, Celina, TX 75009

Active
Listed 43 days ago
Owner-Occupant Eligible
$1,197,000

About $6,902 a month to live here, after the rent from the other home.

House + ADU2,810 sqft4 beds3 bathsListed Sep 30, 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

$6,902a 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 $7,869 monthly payment.

Income to qualify: about $207,000 a year

With how much down?

At 20% down ($239,400) 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 $156,000 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.

$35,910 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Stunning Single-Story Home on a Full Acre. Built in 2020 and designed for both everyday living and effortless entertaining. The beautiful main home features four bedrooms, two and a half bathrooms, and a dedicated office with custom built-in cabinets. The versatile layout also includes a spacious game room that can easily serve as a fifth bedroom, plus an attached three-car garage. Step inside to an open-concept floor plan centered around a family room with a striking beamed, vaulted ceiling and a cozy fireplace. The chef's kitchen impresses with a large granite island and abundant cabinetry flowing seamlessly into the dedicated dining room. The primary suite provides a relaxing retreat, while three additional bedrooms offers plenty of flexibility for family and guests. A rare detached guest house offers a bonus of 424 Sq Ft. The guest house was added in 2021 and features a kitchen area, full bathroom, and its own attached 355 sq ft garage, perfect for a fourth car or extra storage. Ideal for in-laws, a secondary office, or a home gym, this space offers endless possibilities. This one acre private outdoor paradise is heavily treed with over 50 trees, a pool and spa surrounded by expansive decking and turf, and a cabana complete with a wood-burning fireplace. Enjoy peaceful privacy with quick access to Celina's premier shopping, dining, and top-rated schools, a rare find in one of North Texas's fastest-growing cities.

House + ADU

Property Type

43,734 sqft

Lot Size

2020

Year Built

Listing Date: 09/30/2026

Listed by: Rebecca Lassere

Listing office: Keller Williams Prosper Celina

Source: NTREIS #21367874

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%
$1,197,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,197,000
Your Down Payment$239,400
Financed$957,600
Estimated Monthly Payment$7,869

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 ($239,400) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$7,869/month
Principal + Interest
$5,741
Property Taxes
$1,617
Home Insurance
$434
HOA$77
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$171
Cost to live here
$6,902/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# 21367874 · 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.