Seller Financing at 6% - 3BR/2BA on Quarter-Acre Lot Near Baylor Scott & White Why rent when you can own for less? This 3-bedroom, 2-bath home (1,288 sqft) in the established Tal Coe Place neighborhood of Temple, TX is offered with seller financing at 6% - a full point below current bank rates, with no bank qualifying. THE HOME: Set on a generous 10,663 sqft lot with room to garden, add on, or simply enjoy the space. Single-level living throughout with wheelchair accessibility. Central heat and air, gas cooktop, ceiling fans, a covered front patio, and a fully chain-link fenced backyard with an exterior storage shed. Detached carport parking. Foundation professionally repaired (pier & beam) - documentation available. THE LOCATION: A very walkable neighborhood (Walk Score 73) just minutes from Baylor Scott & White Medical Center ideal for hospital professionals with easy access to shopping, dining, and I-35. Temple ISD: Travis Science Academy (0.3 mi), Scott Elementary, and Temple High School all nearby. THE TERMS: $199,640 purchase price, $25,000 down, 6% interest amortized over 30 years with a 5-year balloon. That's roughly $1,047/mo principal and interest with taxes and insurance, still under the $1,581/mo these homes rent for. A real path to homeownership for self-employed buyers or anyone locked out of traditional lending at 7%+ rates. Serious inquiries only. Proof of down payment required with offer.
Bedrooms
3
Bathrooms
2
Square Feet
1,288
Lot Size
0.2448 acres
Year Built
1940
Garage
4 car
Stories
1
Tax Assessed
$156,278 (2025)
Property Tax
$3,731.41/yr (2025)
Type
Single Family
Status
Active
Shapiro Group
Last checked 48m ago.
As assigned by the MLS listing; verify with the district.
1121 S 23rd St
Temple, TX 76504
Loan Term
Est. Monthly Payment
$1,370
Property tax is the county's 2025 bill of $3,731, not an estimate.
Estimates based on 6.5% rate. Actual payments may vary.
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