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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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1405 N Oak St , McKinney, TX 75069
$375,000
Est. Payment: $2,075.71/mo
3 Bed
2 Bath
1300 Sqft
0.24 Acres
Status: active option contract | Days on site: 50
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FATH01 - 0578352
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House Description

Less than a mile from Historic Downtown McKinney Square, this charming Craftsman cottage has the location, character, and updates you've been looking for. Start your mornings on the front porch swing with a cup of coffee, then come home in the evening and relax by the cozy electric fireplace with its shiplap accent wall, custom cedar mantel, and wall-mounted TV. The 3-bedroom, 2-bath split-bedroom layout gives everyone their own space, and the spacious primary suite features a barn door leading into the ensuite bath with a large walk-in shower and built-in bench. Step in the quarter of an acre backyard with plenty of room to entertain, with string lights, a fire pit, yard games, a storage shed, and even a custom chicken coop with easy-access nesting boxes for fresh eggs. The double carport gives you plenty of covered parking and can also be used as a great outdoor gathering space. The big updates have already been taken care of, including foundation leveling in August 2026 with crawl-space fans, new Pergo waterproof laminate flooring in August 2026, a new roof in July 2026, and HVAC replaced in September 2024. The home also has PVC plumbing, so there's no cast-iron plumbing to worry about. The kitchen and bathrooms have been nicely updated, and the kitchen includes a gas range. Hardie-board siding adds durability while keeping maintenance to a minimum. All of this just minutes from the restaurants, shops, entertainment, and charm of Downtown McKinney. Whether you're looking for a place to call home, a second home, or an investment property, this one offers plenty of possibilities, including potential long-term or AirBnB short-term rental use, subject to applicable city regulations. It's a home with a lot of personality, a great backyard, and big-ticket improvements already done. Don't miss this great opportunity!

Highlights

Listed by Katy Peres , Fathom Realty , North Texas Real Estate Information Systems

Property Type

Residential

Lot/Acreage
0.24

Year Built

1965

County

Collin

Neighborhood

College Add

School District

McKinney ISD

Listing ID

21363590

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Gas Range, Microwave, Refrigerator
Air Cond:Ceiling Fan(s),Central Air,Electric
Fireplaces:Electric,Living Room
Floor:Ceramic Tile,Laminate
Other:
  • ▪ Additional:Decorative Lighting, Master on Main

Exterior Features

Lot:Few Trees,Interior Lot,Landscaped,Lrg. Backyard Grass,Less Than .5 Acre (not Zero)
Roof:Composition,Shingle
Others:
  • ▪ Additional:Storage, Preowned
Parking Features:Carport
Principal Interest
$2,076
Taxes
$491

Home Price

$375,000

Loan Details

30 yrs
7.393%

Down Payment

20%
$75,000
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:
$2,075.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,075.71 $491.42 $0.00 $2,567.12
Yearly $24,908.48 $5,897.00 $0.00 $30,805.48
Total $747,254.52 $176,910.00 $0.00 $924,164.52

Today's Rates

30 Year

7.39%

20 Year

7.2%

15 Year

6.63%

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Market insight data is pulled from the same city as the listing being viewed (McKinney, 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: 2026-10-10T18:05:49.117Z

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