Active
2 units3 bd3 ba2,000 sqft
Cost to live here
$2,761/moafter $879/mo in rent
Income to qualify: about $90,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$539,900•House + ADU
172 Heritage Oaks Dr, Cedar Creek, TX 78612
1221 Fm 812 None #A, Cedar Creek, TX 78612
Active
Listed 111 days agoOwner-Occupant Eligible
About $5,590 a month to live here, after the rent from the other home.
House + ADU1,024 sqft5 beds2 bathsListed Jul 24, 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
$5,590a month
The second home on the lot rents for $865. We hold back $130 of that for repairs and an empty month, and the rest goes toward a $6,325 monthly payment.
Income to qualify: about $169,000 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
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.
$30,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Discover the possibilities with this spacious 10.67-acre property, offering the perfect blend of country living, ranching potential, and investment opportunity. With expansive open acreage, there is plenty of room for livestock, horses, gardening, recreational use, or future improvements. The property includes two homes, making it ideal for multigenerational living, rental income, or guest accommodations. Each residence is separately serviced with its own septic system, water meter, and electric meter, providing added convenience and flexibility. Whether you're looking for a private country retreat, an income-producing property, or a place to create your own rural lifestyle, this unique acreage offers exceptional potential.
House + ADU
Property Type
464,785 sqft
Lot Size
2019
Year Built
Listing Date: 07/24/2026
Listed by: Mando DeLaCerda
Listing office: Realty Texas LLC
Contact: (512) 712-3315
Source: Unlock MLS #ACT1315564
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%
$1,000,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$1,000,000
Your Down Payment$200,000
Financed$800,000
Estimated Monthly Payment$6,325
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 ($200,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$6,325/month
Principal + Interest
$4,796Property Taxes
$1,383Home Insurance
$146Rental Income (1 Unit)
$865/month
From the listing description.
Rental Expenses
-$130Cost to live hereCost to live here, after rent
$5,590/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# ACT1315564 · Listing office: Realty Texas LLC
Based on information submitted to the MLS GRID as of 2026. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
