1121 S 23rd ST, Temple TX 76504
MLS #247360885 · Texas Signature Realty · Ramgopal Surabi
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 details
- Property type
- Residential · SingleFamilyResidence
- Status
- Active
- Year built
- 1940
- Full baths
- 2
- Lot size
- 0.2448
- Subdivision
- Tal-Coe Place
- MLS area
- BT
- MLS #
- 247360885
Features
Interior features
- Ceiling Fan(s)
- Multiple Dining Areas
- Primary Bedroom on Main
- Storage
Exterior features
- None
Additional details
- Parking
- Additional Parking
- Garage spaces
- 4
- Roof
- Asphalt
- Foundation
- Pillar/Post/Pier
- Annual tax
- $3,731
Location
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Schools
Assigned schools per the MLS.
- School district
- Temple ISD
- Elementary
- Scott
- Middle
- Travis
- High
- Temple
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Getting around
- Downtown Austin
- 61.2 mi
- Austin-Bergstrom Airport
- 64.2 mi
Straight-line distance, not drive time.
Market insights
Compared with 45 active homes in ZIP 76504 · HomeLocating listings
At $199,640, this home is priced 12% below the $226,999 median across 45 active homes in ZIP 76504.
Estimated monthly payment
Home price
$199,640
Down payment
20% ($39,928)
Loan details
30-yr fixed, 6.50%
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Estimate only, not a lending offer or MLS data. Taxes, insurance, and HOA figures are estimated (see ⓘ above for detail); contact a lender to confirm your exact rate and payment.
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Listing courtesy of Texas Signature Realty · Ramgopal Surabi
Listing data last updated Oct 2, 2026, 11:46 PM
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