3 bed, 2 bath, 1,288 sqft on 0.24 acres in Temple. Temple, TX 76504. $199,640. Temple ISD.
About This Home
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.
- Property Type
- Residential
- Year Built
- 1940
- Lot Size
- 0.24 acres
- Price / Sq Ft
- $155
- Garage
- 4 spaces
Listing information last updated September 23, 2026.
Listed by Texas Signature Realty
MLS# 7162261 • Active
IDX inquiries: Keenan Group at Compass · (512) 415-7653
Highlights
Facts & Features
Interior
- Ceiling Fan(s)
- Multiple Dining Areas
- Primary Bedroom on Main
- Storage
- Refrigerator
- Carpet
- Vinyl
- Heating
- Electric
- Cooling
- Electric
Exterior & Lot
- Vinyl Siding
- Back Yard
- Corner Lot
- Few Trees
- Front Yard
- Fenced
- Pillar
- Post
- Pier
- Covered
- Front Porch
- Patio
- Roof
- Asphalt
- Lot Size
- 0.24 Acres
- Additional Parking
- Garage Spaces
- 4
Financial
- Original List Price
- $199,640
- Price per Sq Ft
- $155
Utilities
- Electricity Connected
- Natural Gas Available
- Water Connected
- Water Source
- Public
- Sewer
- Public Sewer
Transaction History
1 record on file
Every recorded listing, sale, and lease at 1121 S 23rd ST, whoever represented it.
- ActiveListed 2026Current price: $199,640Original list: $199,640MLS 7162261
- Listed · September 22, 2026$199,640
Prices shown are list prices. Closed sale prices are available to registered clients in accordance with ACTRIS rules.
Price & Listing History
Listed with current price, original ask, and market time.
- Current list
- $199,640
- Original list
- $199,640
- Price movement
- No verified reduction
- Listed / DOM
- Sep 22, 2026 · 30 days
Zoned Schools
Temple ISD
Temple
Travis
Scott
Zoned assignments come from the property school fields available to us. District context schools are shown only when an assigned tier is missing. Contact the school district directly to verify current boundaries and enrollment eligibility.
Excluded from this estimate: property taxes, home insurance, and HOA dues. Each requires verified amount, cadence or unit, source, and as-of details.
20% ($40K)
Adjustable assumption - not a lending recommendation.
$199,640
Luxury property intelligence
Keenan Market Position
A sourced read on Temple pricing, timing, and property scale. No automated valuation claim.
List price
$199,640
Price per sqft
$155/sqft
Vs. Neighborhood guide reference price
Not available
Days on market
30 days
Original to current
No verified reduction
$199.6K original
Active inventory context
Ask for current inventory
Source: MLS Grid / Unlock MLS and Keenan Group review as of Oct 17, 2026.
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