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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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40 Cumberland Cir , Denison, TX 75021
$369,000
Est. Payment: $1,899.77/mo
3 Bed
2.5 Bath
1909 Sqft
Status: active | Days on site: 342
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

NO CITY TAXES & NO HOA! Escape to this rare, 2.14-acre country home, in Cross Timbers Estates, just east of Denison, Tx, off Hwy 69. Positioned on a spacious corner lot with mature shade trees, this 1985 home is perfect for small acreage living. Step out onto the massive, covered back deck to experience total serenity—the home’s layout helps to add privacy from the street and side neighbors, leaving you with peaceful views of your backyard and the remainder of the 2.14 acres. Inside, enjoy a move in ready, 3, possibly 4 bedroom, 2.5-bathroom floor plan featuring fresh interior paint, modernized lighting, an attached garage, and a cozy wood fireplace. This property has a detached workshop with a concrete floor, electricity, and possibly water—plus a separate covered RV parking bay and an additional storage unit. Perfect for hobbyists, contractors, or Lake Texoma boat owners looking for freedom from city restrictions and high storage fees. Properties offering this blend of acreage, utility, and monthly tax savings since outside the city limits are incredibly rare at this price point. Schedule your tour today and experience the privacy for yourself! All information deemed correct and accurate, however buyer and buyer’s agent to verify all information.

Highlights

Listed by Dianna Whitlock , Ann's Realty , North Texas Real Estate Information Systems

Property Type

Residential

Lot/Acreage
2.14

Year Built

1985

County

Grayson

Neighborhood

Cross Timber Estates

School District

Denison ISD

Listing ID

21059924

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2.5
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Gas Range, Gas Water Heater, Plumbed For Gas in Kitchen, Refrigerator, Washer
Air Cond:Ceiling Fan(s),Central Air,Electric
Fireplaces:Brick,Family Room,Wood Burning
Floor:Laminate
Other:
  • Additional:Cable TV Available, Eat-in Kitchen, High Speed Internet Available, Paneling, Master on Main

Exterior Features

Lot:Acreage,1 to < 3 Acres
Roof:Composition
Others:
  • Additional:Covered Patio/Porch, RV/Boat Parking, Preowned
Parking Features:Additional Parking,Circular Driveway,Concrete,Garage Door Opener,Garage Double Door,Garage Faces Side,Open,RV Carport,See Remarks,Storage
Principal Interest
$1,900
Taxes
$448

Home Price

$369,000

Loan Details

30 yrs
6.674%

Down Payment

20%
$73,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,899.77

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,899.77 $447.67 $0.00 $2,347.44
Yearly $22,797.27 $5,372.00 $0.00 $28,169.27
Total $683,918.01 $161,160.00 $0.00 $845,078.01

Today's Rates

30 Year

6.67%

20 Year

6.37%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Denison, TX).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by North Texas Real Estate Information Systems Multiple Listing Service, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-24T19:21:47.893Z

© 2026 North Texas Real Estate Information Systems