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821 Fm 406, Denison, TX, 75020

3beds
4baths
3,816sqft
$1,450,000
$380price/sqft
$11,313/moest. monthly cost
$452,520/yrincome needed

About This Home

Don't miss out on this Stunning Custom Home with panoramic views of the Pool, Pond, and Fountain from the living room,Primary Suite, and Bath! Move-in ready with open layout, abundant natural light, and gourmet kitchen featuring granite countertops, Viking 6-burner gas cooktop, double oven, walk-in pantry, triple sinks, warming drawer, and more. Luxurious primary suite includes oversized walk-in custom closet. This Home features 3BR,3.5Bath home has mother in law suite and Surround sound and large-screen TV setup make it perfect for entertaining or relaxing. Property is in pristine condition with its beautiful finish out. It includes a water well with filtration, softener system, 3-car garage with natural light workshop, and 12’x30’ barn for storage or tools with electricity. Store your BOAT, RV, ATVs in the New 2,400 sq ft party barn with 16ft door (2023) with 3 beds, full kitchen, 1 full and 2 half baths all with HVAC and Large Front porch. Electric gated entry with brick-stone columns and seasonal landscaping. Perfect for a residence, lake house, and Airbnb! 6 Minutes from Lake Texoma and Marinas! Currently Working on getting Ag Exemption

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
5/10
Henry Scott MiddleGrades 7-86.3 mi
5/10
Denison High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Gas Appliances,Double Oven,Dishwasher,Electric Oven,Gas Cooktop,Disposal,Microwave,Plumbed For Gas,Water Softener,Trash Compactor,Vented Exhaust Fan,Warming Drawer,Wine Cooler

Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 15 x 15

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Wet Bar,Chandelier,Decorative/Designer Lighting Fixtures,Double Vanity,Eat-in Kitchen,Granite Counters,High Speed Internet,In-Law Floorplan,Kitchen Island,Multiple Master Suites,Open Floorplan,Pantry,Cable TV,Walk-In Closet(s),Wired for Sound
  • Flooring: Carpet,Ceramic Tile,Engineered Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Gas Log,Gas Starter,Heatilator,Living Room,Masonry,Primary Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Fireplace(s)
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 3,816 sqft

Kitchen

  • Features: Built-in Features,Ceiling Fan(s),Eat-in Kitchen,Granite Counters,Kitchen Island,Pantry,Sink,Walk-In Pantry
  • Level: First
  • Dimensions: 1 x 1

Living Room

  • Features: Built-in Features,Ceiling Fan(s),Fireplace
  • Level: First
  • Dimensions: 32 x 26

Master Bedroom

  • Features: Built-in Features,Closet Cabinetry,Ceiling Fan(s),Dual Sinks,Double Vanity,En Suite Bathroom,Fireplace,Jetted Tub,Linen Closet,Sitting Area in Primary
  • Level: First
  • Dimensions: 26 x 14

Master Bedroom

  • Features: Ceiling Fan(s),Dual Sinks,Linen Closet,Separate Shower,Walk-In Closet(s)
  • Level: First
  • Dimensions: 15 x 15

Utility Room

  • Features: Built-in Features,Linen Closet,Utility Room,Utility Sink
  • Level: First
  • Dimensions: 1 x 1

Property

Accessibility

  • Accessibility features: Accessible Full Bath,Accessible Bedroom

Details

  • Parcel number: 225593
  • Other equipment: Negotiable,Other
  • Exclusions: All Animal Mounts in House and Party Barn,Pictures on walls in house and Party barn,Old Stove in Party Barn Kitchen

Features

  • Levels: One
  • Stories: 1
  • Pool features: In Ground,Outdoor Pool,Pool,Pool Sweep,Water Feature
  • Patio & porch: Covered
  • Exterior features: Lighting,Private Entrance,Private Yard,Rain Gutters,Storage
  • Fencing: Fenced,Pipe
  • Residential vegetation: Grassed,Heavily Wooded

Lot

  • Lot size: 10 Acres
  • Features: Acreage,Landscaped,Pond on Lot,Many Trees,Sprinkler System

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Circular Driveway,Door-Multi,Door-Single,Electric Gate,Garage,Garage Door Opener,Gated,Inside Entrance,Kitchen Level,Lighted,Oversized,RV Garage,Garage Faces Side,Workshop in Garage,Boat,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Ice Storm
Tornado
Lightning
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,331$87,972
Home Insurance *$1,550$18,600
Property Taxes $2,013$24,156
Electricity $419$5,028
Total$11,313$135,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$387,874/yr
40% on housing$339,390/yr
45% on housing$301,680/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 4.0%
4.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$380This listing

vs Other Active Listings

Avg $/sqft

ZIP 75020$113
Grayson County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 75020$156
Grayson County$164

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Listed for sale$1,750,000
2025-11-19Listing removed$1,950,000
2025-09-14Price change$1,950,000
2025-08-02Listed for sale$2,250,000
2022-05-10Sold--
2022-05-04Pending sale$1,200,000
2022-04-27Contingent$1,200,000
2022-04-12Listed for sale$1,200,000
2014-06-19Sold--

For Sale by Agent

AgentLeanna David
BrokerageTruHome Real Estate

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