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Salado · The Highlands Of Mill Creek SE

$500,000 211 days on market

Reduced from $550,000 · −9.1%

3900 Chisholm Trl, Salado, TX 76571

  • 4bedrooms
  • 3.5bathrooms
  • 2,766sqft
  • 0.51acres
  • 1996year built

About this home

One property. Endless possibilities. Whether you’re looking for multigenerational living, a private guest retreat, a home office, or a fully permitted short-term rental to help offset your mortgage, this rare property offers the flexibility today’s buyers have been searching for. With no HOA, an assumable loan, and room to customize, it’s a home that adapts to your lifestyle while providing long-term value. The thoughtfully designed main home offers approximately 2,106 square feet with three bedrooms, two-and-a-half baths, soaring 10-foot ceilings, granite countertops, a gas fireplace, generous storage, and spacious dual primary closets. Major updates, including a roof replaced approximately two years ago, new gutters, a five-year-old HVAC system, and the included refrigerator, washer, and dryer, allow you to move in with confidence. The detached 660-square-foot guest house with its own private entrance, bedroom, and bath is what truly sets this property apart, offering endless possibilities as an income-producing rental, guest suite, home office, fitness studio, or creative space. A wine refrigerator is already in place, and the contractor-owner is willing to complete custom improvements before closing at wholesale pricing, including options such as a kitchenette, loft, or expanded shower. Outside, enjoy a new Trex deck overlooking the spacious fenced backyard, with additional acreage beyond the fence providing room to expand, garden, entertain, or simply enjoy the extra privacy. Located in the desirable Mill Creek community, you’ll enjoy mature trees, scenic creek views, a welcoming clubhouse, and a private 27-hole golf course, all while maintaining the freedom that comes with no HOA. Back on the market due solely to buyer cold feet. No repairs were requested, and the septic inspection came back clean.

Property

Type
Single Family Residence
Levels
One
Year built
1996
Lot size
0.51 acres
Subdivision
The Highlands Of Mill Creek SE
MLS #
ACT2151035

Inside

Bedrooms
4
Bathrooms
3.5
Living area
2,766 sqft
Fireplaces
1

Outside / parking

Garage spaces
2

Schools

Elementary
Thomas Arnold
High school
Salado
District
Salado ISD

Costs

Est. annual taxes
$11,000 (2025)

Listing

First listed
Dec 28, 2025
Days listed
211
Original price
$550,000
Status
Active

Listed by Lindsey Hicks, Christies Intl Real Estate Lone Star · [email protected] · MLS# ACT2151035 · Active

Estimate your monthly payment

Loan

Down payment
%
0%10%20%30%40%50%
Loan term
Interest rate (%)
3%5%7%9%

Yearly costs

Monthly payment

$0

Total monthly

Principal & interest
$0
Property tax
$0
Insurance
$0
HOA
$0
Loan amount
$0

Estimate only. Tax / insurance defaults are typical Texas figures; your actual numbers will vary. Talk with a lender for a real quote — I can refer you to one I trust.

Where this home sits

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