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.
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.
Listing Provided Courtesy of Texas Signature Realty
Property Details
Price:
$199,640
MLS #:
7162261
Status:
Active
Beds:
3
Baths:
2
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
Tal-Coe Place
Listed Date:
Sep 22, 2026
Finished Sq Ft:
1,288
Lot Size:
10,663 sqft / 0.24 acres (approx)
Year Built:
1940
See this Listing
Schools
School District:
Temple ISD
Elementary School:
Scott
Middle School:
Travis
High School:
Temple
Interior
Appliances
Refrigerator
Bathrooms
2 Full Bathrooms
Cooling
Electric
Flooring
Carpet, Vinyl
Heating
Electric
Interior Features
Ceiling Fan(s), Multiple Dining Areas, Primary Bedroom on Main, Storage
Levels
One
Main Level Bedrooms
3
Exterior
Accessibility Features
Hand Rails
Community Features
None
Covered Spaces
4
Direction Faces
East
Exterior Features
None
Fencing
Fenced
Garage Spaces
4
Lot Features
Back Yard, Corner Lot, Few Trees, Front Yard
Other Structures
Storage
Parking Features
Additional Parking
Patio And Porch Features
Covered, Front Porch, Patio
Roof
Asphalt
View
Neighborhood, Trees/Woods
Waterfront Features
None
Window Features
Double Pane Windows
Financial
Taxes
$3,731
Map
Community
- Address1121 S 23rd ST Temple TX
- SubdivisionTal-Coe Place
- CityTemple
- CountyBell
- Zip Code76504
Subdivisions in Temple
- A0048BC C ADAMS JR, 8, ACRES 10.67
- A0329BC S FRAZIER
- A0606BC L MOORE
- Abstract 552 H Millard Survey
- Airville Meadows
- Alta Vista Ph Iii
- Apple Cider
- Atascosa Estates
- Bella Terra Ph Ii
- Bellaire North Sec 2
- Bellaire North Sec 7
- Bellview
- Bend
- Bentwood Ph IV
- Bird Creek Valley Ph I
- Blackland Ranch Add
- Bonham Place
- Canyon Creek
- Canyon Creek Ph I
- Canyon Creek Ph Ii
- Canyon Creek Ph Iii
- CANYON CREEK WEST
- Canyon Ridge Ph Iii
- Carriage House Trails Ph I
- Cliff Estates Re-Subdivision
- Clouds Sub Of Blk 67
- County View
- County View Addition Phase Ii
- Crestview 1st
- Crossley Add
- D H Buchanan Add
- Deerfield Estates Ph One
- Dubose
- Dubose Add Ext Blk
- Duncan & Co
- Echo Village Ph I
- Echo Vista Add
- Enclave/Lk Belton Ph Iii
- Freeman Heights
- Friars Creek Landing
- Green Acres
- Groves/Lakewood Ranch Ph V
- Groves/Lakewood Ranch Ph Vi
- Hawkes Add
- Heidenheimer Original
- Heritage Place Ph Ii
- Hills of Westwood
- Hills Of Westwood Ph
- Hills Of Westwood Ph Ii
- Hills Of Westwood Ph V
- Hills/Westwood Ph Iv
- Hills/Westwood Ph Xiii
- Hobson
- Homestead
- Jones & Moores Add
- Lake Pointe
- Lake Pointe Crossing
- Lake Pointe Ph Ii-A1
- Lake Pointe Ph Iii
- Lakeaire Sec Ii
- Lastovica Square
- Long View Estates
- M HUNT
- M Moreno
- Marland Wood 1st Unit
- Meadow Oaks
- Moffat
- Monte Verde Ph I
- Moore & Cole
- Moores Add
- Moreno
- no
- North Gate Ph Ii
- North Gate Ph Iii
- North Park
- North Point Ph I
- Northwest Hills 1st Ext
- NORTHWEST HILLS 2ND EXTENSION REPLAT
- Oak Creek Planned Dev
- Oak Rdg Ph 1
- Oak Ridge
- Oakwoods 1st
- Park Ridge
- Pecan Creek
- Pecan Crk South Ph 1
- Pepper Creek Crossing
- Prairie Ridge
- Preserve at Lions Park
- Ramblewood 2nd Unit
- Reserve/Pea Rdg Ph I
- Ridgewood Estates
- ROBERTS
- Rolling Hills First Ext
- Rosemead
- Sage Meadows Ph I
- Sage Meadows Ph Ii
- Sage Meadows Ph Iii
- Sarahs Glen
- Schiller
- Seven Coves
- Shirley
- Silver Stone Ph Ii
- South Park
- South Pointe Ph Iii
- Stonegate Ii
- Tal-Coe Place
- Tanglefoot Valley
- Tanglewood
- Temple Heights
- Terrace Gardens Second Unit
- The Creeks At Deerfield
- The Enclave at Lake Belton
- The Enclave at Lake Belton Phase III
- The Plains At Riverside Ph
- The Ridge At Knob Creek
- Village Of Sage Meadows Ph
- Waco Road West Sub
- Waterford Park Ph I
- Waters Xing
- West Ridge Ph Ix
- West Ridge Sub Ph I
- Western Hills
- Western Hills 1st Ext
- Western Hills 5th Ext
- Westfield Dev Ph I
- Westfield Dev Ph VIII
- Westfield Dev Ph Xii
- Westfield Dev Ph Xiii
- Westfield Dev Ph Xiv
- Wildflower Country Club Ph
- William Woodford Surv Abs #22
- Wyndham Hill Add Ph 1
- Wyndham Hill Add Ph V
- Wyndham Hill Addition
Market Summary
Current real estate data for Single Family in Temple as of Oct 30, 2026
166
Single Family Listed
95
Avg DOM
160
Avg $ / SqFt
$319,467
Avg List Price
Property Summary
- Located in the Tal-Coe Place subdivision, 1121 S 23rd ST Temple TX is a Single Family for sale in Temple, TX, 76504. It is listed for $199,640 and features 3 beds, 2 baths, and has approximately 1,288 square feet of living space, and was originally constructed in 1940. The current price per square foot is $155. The average price per square foot for Single Family listings in Temple is $160. The average listing price for Single Family in Temple is $319,467. To schedule a showing of MLS#7162261 at 1121 S 23rd ST in Temple, TX, contact your Ensor & Co., Realtors agent at 512-640-9277.
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