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For sale
    • Price cut: $5K (7/2)
    $369,000

    40 Cumberland Cir, Denison, TX 75021

    3beds
    1,909sqft
    : 
    $2,662/mo
    Get pre-qualified
    Single Family Residence
    Built in 1985
    2.14 Acres Lot
    $365,000 Zestimate®
    $193/sqft
    $-- HOA

    What's special

    Modernized lightingCozy wood fireplaceAttached garageMove in readyFresh interior paintSpacious corner lotMature shade trees
    NO CITY TAXES & NO HOA! Escape to this rare, 2.14-acre country home, in Cross Timbers Estates, just east of Denison, Tx, off Hwy 69. Positioned on a spacious corner lot with mature shade trees, this 1985 home is perfect for small acreage living. Step out onto the massive, covered back deck to experience total serenity—the home’s layout helps to add privacy from the street and side neighbors, leaving you with peaceful views of your backyard and the remainder of the 2.14 acres. Inside, enjoy a move in ready, 3, possibly 4 bedroom, 2.5-bathroom floor plan featuring fresh interior paint, modernized lighting, an attached garage, and a cozy wood fireplace. This property has a detached workshop with a concrete floor, electricity, and possibly water—plus a separate covered RV parking bay and an additional storage unit. Perfect for hobbyists, contractors, or Lake Texoma boat owners looking for freedom from city restrictions and high storage fees. Properties offering this blend of acreage, utility, and monthly tax savings since outside the city limits are incredibly rare at this price point. Schedule your tour today and experience the privacy for yourself! All information deemed correct and accurate, however buyer and buyer’s agent to verify all information.
    342 days
    |
    327
    |
    21
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Dianna Whitlock 0545717,

    Ann's Realty

    Source: NTREIS,MLS#: 21059924

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: First
      • Dimensions: 0 x 0
      Living room
      • Level: First
      • Dimensions: 0 x 0
      Heating
      • Fireplace(s), Propane
      Cooling
      • Central Air, Ceiling Fan(s), Electric
      Appliances
      • Included: Some Gas Appliances, Dryer, Dishwasher, Gas Range, Gas Water Heater, Plumbed For Gas, Refrigerator, Washer
      • Laundry: Washer Hookup, Electric Dryer Hookup, Laundry in Utility Room
      Features
      • Eat-in Kitchen, High Speed Internet, Paneling/Wainscoting, Cable TV
      • Flooring: Laminate
      • Has basement: No
      • Number of fireplaces: 1
      • Fireplace features: Family Room, Masonry, Wood Burning
      Interior area
      • Total interior livable area: 1,909 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 3
      • Parking features: Additional Parking, Circular Driveway, Concrete, Door-Multi, Garage, Garage Door Opener, Open, RV Carport, Garage Faces Side, See Remarks, Storage, Boat, RV Access/Parking
      • Attached garage spaces: 2
      • Carport spaces: 1
      • Covered spaces: 3
      • Has uncovered spaces: Yes
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Covered
      • Pool features: None
      • Fencing: Back Yard,Chain Link
      Lot
      • Size: 2.14 Acres
      • Features: Acreage, Native Plants
      • Residential vegetation: Brush, Cleared, Partially Wooded
      Details
      • Additional structures: RV/Boat Storage, Storage, Workshop
      • Parcel number: 117060

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional,Detached
      • Property subtype: Single Family Residence
      Materials
      • Brick
      • Foundation: Slab
      • Roof: Composition
      Condition
      • Year built: 1985

      Utilities & green energy

      • Sewer: Aerobic Septic
      • Water: Well
      • Utilities for property: Electricity Connected, Propane, Phone Available, Septic Available, Water Available, Cable Available

      Community & HOA

      Community
      • Subdivision: Cross Timber Estates
      HOA
      • Has HOA: No
      Location
      • Region: Denison

      Financial & listing details

      • Price per square foot: $193/sqft
      • Tax assessed value: $402,484
      • Annual tax amount: $5,372
      • Date on market: 9/16/2025
      • Cumulative days on market: 345 days
      • Listing terms: Cash,Conventional,FHA
      • Exclusions: Personal furniture and belongings.
      • Road surface type: Asphalt

        Estimated market value

        $365,000

        $347,000 - $383,000

        $2,118/mo

        Price history

        DateEventPrice
        7/2/2026Price change$369,000-1.3%$193/sqft
        Source: NTREIS #21059924 Report a problem
        5/14/2026Price change$374,000-2.8%$196/sqft
        Source: NTREIS #21059924 Report a problem
        4/3/2026Price change$384,900-3.8%$202/sqft
        Source: NTREIS #21059924 Report a problem
        3/9/2026Price change$399,900-0.7%$209/sqft
        Source: NTREIS #21059924 Report a problem
        10/31/2025Price change$402,900-10.4%$211/sqft
        Source: NTREIS #21059924 Report a problem
        9/30/2025Price change$449,900-8.2%$236/sqft
        Source: NTREIS #21059924 Report a problem
        9/16/2025Listed for sale$489,900$257/sqft
        Source: NTREIS #21059924 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$805 +0.1%$332,649 +10%
        2024$804 $302,408 +10%
        2023-- $274,916 +10%
        2022$1,794 -3.8%$249,924 +10%
        2021$1,864 $227,204 +8.1%
        2020-- $210,136 +10%
        2019$1,845 +1.7%$191,033 -6.6%
        2018$1,815 +1.1%$204,638 +29.6%
        2017$1,794 $157,878 +0.3%
        2016$1,794 -7.2%$157,396 +9.5%
        2015$1,933 $143,770 +2%
        2014$1,933 $140,954
        2013-- $140,954 +4.6%
        2012-- $134,720 +10.3%
        2011-- $122,097 -3.5%
        2010-- $126,497 -0.1%
        2009-- $126,604 -7.1%
        2008-- $136,249 -2.8%
        2007-- $140,226
        2006-- $140,226 +3.6%
        2005-- $135,366 +10%
        2004-- $123,060 +12.2%
        2002-- $109,727 -3.7%
        2001-- $113,905 +9.7%
        2000-- $103,795
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.
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        Climate risks

        Neighborhood: 75021

        Getting around

        0 / 100
        Car-Dependent
        12 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Lamar
        • Middle: Henry Scott
        • High: Denison
        • District: Denison ISD

        Source: NTREIS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

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