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.
For sale
Price cut: $5K (7/2)
$369,000
40 Cumberland Cir, Denison, TX 75021
3beds
1,909sqft
Single Family Residence
Built in 1985
2.14 Acres Lot
$363,100 Zestimate®
$193/sqft
$-- HOA
What's special
Modernized lightingCozy wood fireplaceAttached garageMove in readyFresh interior paintSpacious corner lotMature shade trees
- 297 days |
- 395 |
- 22 |
Zillow last checked:
Listing updated:
Listed by:
Dianna Whitlock 0545717,
Ann's Realty
Source: NTREIS,MLS#: 21059924
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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: 300 days
- Listing terms: Cash,Conventional,FHA
- Exclusions: Personal furniture and belongings.
- Road surface type: Asphalt
Estimated market value
$363,100
$345,000 - $381,000
$2,132/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/2/2026 | Price change | $369,000-1.3%$193/sqft |
Source: NTREIS #21059924 Report a problem | ||
| 5/14/2026 | Price change | $374,000-2.8%$196/sqft |
Source: NTREIS #21059924 Report a problem | ||
| 4/3/2026 | Price change | $384,900-3.8%$202/sqft |
Source: NTREIS #21059924 Report a problem | ||
| 3/9/2026 | Price change | $399,900-0.7%$209/sqft |
Source: NTREIS #21059924 Report a problem | ||
| 10/31/2025 | Price change | $402,900-10.4%$211/sqft |
Source: NTREIS #21059924 Report a problem | ||
| 9/30/2025 | Price change | $449,900-8.2%$236/sqft |
Source: NTREIS #21059924 Report a problem | ||
| 9/16/2025 | Listed for sale | $489,900$257/sqft |
Source: NTREIS #21059924 Report a problem | ||
Public tax history
| Year | Property taxes | Tax 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 | -- | $103,795 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 75021
Nearby schools
GreatSchools rating
- 6/10Lamar Elementary SchoolGrades: PK-4Distance: 3.2 mi
- 5/10Henry Scott MiddleGrades: 7-8Distance: 3.5 mi
- 5/10Denison High SchoolGrades: 9-12Distance: 6.4 mi
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.
- Texas
- Grayson County
- Denison
- 75021
- 40 Cumberland Cir
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