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3930 W Fm 120, Denison, TX, 75020

6beds
5baths
5,605sqft
$2,250,000
$401price/sqft
$18,224/moest. monthly cost
$728,960/yrincome needed

About This Home

A truly exceptional custom-built estate, 3930 FM 120 offers 5,605 square feet of thoughtfully designed living space set on over five acres in one of Denison’s most convenient yet private locations. Set well back from the road, the property is approached by a long drive framed by a manicured, irrigated lawn that creates a striking sense of arrival. The home opens to a stunning glass-wrapped entry with expansive views into the backyard, anchored by a dramatic spiral staircase leading to the upper level. To one side of the entry is a highly functional wing featuring a spacious utility and laundry room, a dedicated folding and storage room with countertops, a guest bedroom with a full bath, and access to the three-car garage. On the opposite side, the home flows into a grand living area with soaring ceilings, floor-to-ceiling windows, and abundant natural light. The living space opens to a massive kitchen designed for both everyday living and entertaining, complemented by a breakfast nook and a formal dining room. A conveniently located half bath completes the main living area. The primary suite is privately situated off the living room and serves as a true retreat, featuring a spa-like bathroom with tall windows, along with an oversized walk-in closet. Upstairs, the home offers four additional bedrooms, two full bathrooms, and a dedicated media room, providing ample space for family, guests, and entertainment. Outdoor living is equally impressive, with a resort-style pool, expansive deck, and outdoor kitchen surrounded by mature trees and serene acreage. The grounds offer both privacy and usability, creating a peaceful setting while remaining just minutes from Denison’s amenities, schools, shopping, and dining. The adjacent unimproved parcel is also available, allowing buyers to expand acreage, privacy, or future development potential. MLS# 21137553. This is a rare opportunity to own a custom estate that combines luxury, space, and convenience in the heart of Texoma.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
5/10
Henry Scott MiddleGrades 7-83.1 mi
5/10
Denison High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Combination,Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Gas Cooktop,Disposal,Gas Range,Microwave,Vented Exhaust Fan
  • Laundry features: Washer Hookup,Dryer Hookup,Laundry in Utility Room

Bedroom

  • Level: First
  • Dimensions: 0 x 1

Bedroom

  • Level: Second
  • Dimensions: 0 x 1

Bedroom

  • Level: Second
  • Dimensions: 0 x 1

Bedroom

  • Level: Second
  • Dimensions: 0 x 1

Bedroom

  • Level: Second
  • Dimensions: 0 x 1

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Cedar Closet(s),Dry Bar,Granite Counters,High Speed Internet,Kitchen Island,Multiple Staircases,Open Floorplan,Walk-In Closet(s)
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 2
  • Fireplace features: Bedroom,Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 5,605 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 1

Living Room

  • Level: Second
  • Dimensions: 0 x 1

Master Bedroom

  • Level: First
  • Dimensions: 0 x 1

Property

Details

  • Parcel number: 112196

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground,Pool
  • Exterior features: Outdoor Kitchen

Lot

  • Lot size: 5.32 Acres

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Door-Multi,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Ice Storm
Tornado
Hail
Inland Flooding
Lightning
Strong Wind
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 $11,377$136,524
Home Insurance *$2,405$28,860
Property Taxes $3,827$45,924
Electricity $615$7,385
Total$18,224$218,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$624,822/yr
40% on housing$546,720/yr
45% on housing$485,973/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

$401This 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
2026-05-07Price change$2,450,000
2025-12-18Listed for sale$2,500,000

For Sale by Agent

AgentRyan Clevenger
BrokerageMainStreet Venture Partners, L

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