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1410 14th Street

Shallowater, TX 79363
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Just listedJust listed
3 Bedroom(s)
2 Full Bath(s)
1,670 Sqft
0.14 Lot Acres
Single Family

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Description

NEWLY BUILT 2022 SHALLOWATER HOME - 6.99% OWNER FINANCED!Price: $289,990 | $0 DOWN PAYMENT | NO BANK NEEDED Why pay 9% or 10% for creative financing? Skip strict traditional bank underwriting and secure a beautiful, newly built 2022 1,670 sq ft construction home on 14th Street in the highly coveted Shallowater ISD! Perfect for local business owners, self-employed contractors, medical staff, or anyone looking to buy without bank hassle. THE LOCATION: Shallowater, TX (14th Street)Highly rated Shallowater School District magnet. Quiet, safe, family-centric community. Just a 12-minute straight shot down Clovis Road into Lubbock! HOME HIGHLIGHTS: Pristine, newly construction 2022 (1,670 sq ft).Spacious 3 Bedroom / 2 Bathroom open-concept layout. Gourmet kitchen with modern finishes. Private, isolated master suite with double closets. Attached 2-car garage. THE PURE MATH: Down Payment: $0 Down Options Available! Interest Rate: 6.99% Locked (30-Year Fixed Note). Closing Costs: $7,500 flat cash due at closing (covers title, escrow, legal, and RMLO setup). Estimated Total Monthly Payment: ~$2,377/month (Includes principal, interest, estimated property taxes, and home insurance). MINIMUM REQUIREMENTS TO QUALIFY: Verifiable Income: Gross household income of $8,325+ per month (W2, 1099, or 12 months of business bank statements). Rental History: Clean history with no recent evictions or landlord judgments. Liquid Cash: $7,500 cash available for closing day. Compliance: All screening and processing are handled safely and legally through our Licensed Texas RMLO. We look at your true income and stability, not just a credit score! HOW TO APPLY / TOUR: Message us directly right now to get our simple 1-page pre-screen form or to schedule a private walkthrough this week. At 6.99% interest and $0 down, this home will lock down fast! Disclaimer: Rates and terms are subject to final buyer qualification and underwriting approval through a Texas Licensed Residential Mort

MLS#
LAORTX-202609769
List Price
$289,990 ($174/Sqft.)
Listing Status
For Sale
Address
1410 14th Street
City
Shallowater
State
TX
Zip Code
79363
County
Lubbock County
Legal Description
Highland Heights (Shallowater) L 14
Property Type
Single Family
Bedroom
3 Bedroom(s)
Bath
2 Full Bath(s)
Stories
1
Building Size
1,670 Sqft/Appraisal District
Architecture Style
Ranch
Year Built
2022 /Appraisal District
Lot Size
0.14 Lot Acres/Appraisal District

Exterior

Roof
Composition
Exterior Type
Brick, Frame
Parking
Open, Garage
Lawn
Yes
Dock
Yes
Exterior
Private Yard

Interior

Cooling
Central Air, Ceiling Fan(s)
Heating
Central
Interior
Chandelier, Granite Counters, Open Floorplan

Rooms

Rooms
Bathroom 1, Bedroom 1, Bedroom 3, Bathroom 2, Bedroom 2

Lot Information

Lot Size
0.14 Lot Acres /Appraisal District
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Disclaimer: Lot configuration and dimensions are estimates, not based on personal knowledge and come from a third party (Digital Map Products); therefore, you should not rely on the estimates and perform independent confirmation as to their accuracy
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Information source

Lubbock Association of Realtors®
Source last updated Jul 18, 2026 at 03:19 PM
Listing last updated Jul 16, 2026 at 03:10 AM
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Cost/Sqft based on tax value

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Estimated Monthly Payments

DOWN PAYMENT
Loan Term
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Full Page
Presented by TimeValue Software ©2021
Principal & InterestTaxes30.4%69.6%
Listing TaxNumbers
Principal & Interest2,841
Taxes1,242
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Assigned schools

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Notice & Disclaimer
School information is computer generated and may not be accurate or current. Buyer must independently verify and confirm enrollment. Please contact the school district to determine the schools to which this property is zoned.
Copyright© 2026 , HOUSTON REALTORS® INFORMATION SERVICE, INC. All Rights Reserved. Data Not Verified/Guaranteed by MLS
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