40 Cumberland Cir

Denison, TX 75021

$374,000
Price
3
Beds
1,909 Sq. Ft.
$196 / Sq. Ft.
1,909
Sq. Ft.
$196
per Sq. Ft.
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Description

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...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.
  1. Listed by Dianna Whitlock • TREC #0545717 • Ann's Realty

Property Details for 40 Cumberland Circle

Subdivision Name
Cross Timber Estates
Architectural Style
Traditional
Structural Style
Single Detached
Pool
No
Garage Spaces
2
LISTING UPDATED: 06/01/2026 07:59 PM

Property Details for 40 Cumberland Circle

StatusActive
MLS #21059924
Days on Market262
Taxes-
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1985
Lot Size2.14 AC / 93,218 SF
CountyGrayson County
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Location

Listing Courtesy of Ann's Realty, Dianna Whitlock
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Building Information for 40 Cumberland Circle

Stories1Year Built1985Building Size-Lot Size2.14 AC / 93,218 SF

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$1,931 per month

30 year fixed, 6.36% Interest

Principal and Interest

$1,864

Property Taxes

$67

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 40 Cumberland Circle

Summary
Location and General Information
  • Directions: From Denison, take Hwy 69 South, appx 3 miles to Cross Timbers Estates. Turn left onto Cross Timbers Estate Drive and go 4 tenths of a mile. Take a slight right turn onto Cumberland Circle. Home is located on a corner lot as you turn. Sign in yard.
  • Elementary School: Lamar
  • Elementary School Name: Lamar
  • High School: Denison
  • High School Name: Denison
  • Middle School: Henry Scott
  • Year Built Details: Preowned
  • School District: Denison ISD
  • Geocode Confidence: High
  • Latitude: 33.71
  • Longitude: -96.49
  • State: Texas
Parking
  • Parking Features: Additional Parking, Circular Driveway, Concrete, Garage Door Opener, Garage Double Door, Garage Faces Side, Open, RV Carport, See Remarks, Storage
  • Carport Spaces: 1
  • Attached Garage: Yes
  • Parking Spaces Covered Total: 3
  • Garage: Yes
Taxes and HOA Information
  • Tax Legal Description: CROSS TIMBER ESTATES, LOT PT 35 36 & 37, ACRE
  • Association Type: None
  • Special Taxing Entities: No
  • Tax Lot: 35
Virtual Tour
Interior and Exterior Features
Interior Features
  • Fireplace Features: Brick, Family Room, Wood Burning
  • Fireplaces Total: 1
  • Flooring: Laminate
  • Heating: Fireplace(s), Propane
  • Interior Features: Cable TV Available, Eat-in Kitchen, High Speed Internet Available, Paneling
  • Number Of Dining Areas: 1
  • Number Of Living Areas: 1
  • Appliances: Dishwasher, Dryer, Gas Range, Gas Water Heater, Plumbed For Gas in Kitchen, Refrigerator, Washer
  • Basement: No
  • Cooling: Ceiling Fan(s), Central Air, Electric
  • Laundry Features: Electric Dryer Hookup, Utility Room, Full Size W/D Area, Washer Hookup
  • Living Area: 1909.0
  • Smart Home Features Appor Pass Y: No
  • Room and Floor: Bedroom-Primary-1-1, Master Bedroom-1-1, Living Room-1-1
Exterior Features
  • Construction Materials: Brick
  • Exterior Features: Covered Patio/Porch, RV/Boat Parking
  • Fencing: Back Yard, Chain Link
  • Foundation Details: Slab
  • Number Of Stories: 1
  • Roof: Composition
  • Waterfront: No
  • Room and Features: Bedroom-Primary-1-1, Master Bedroom-1-1, Living Room-1-1
  • Room List: Bedroom-Primary, Master Bedroom, Living Room
  • Exterior Buildings: RV/Boat Storage, Storage, Workshop w/Electric
  • Patio And Porch Features: Covered
  • Levels: One
Room 1
  • Room Dimensions: 0 x 0
  • Room Length: .00
  • Room Level: 1
  • Room Type: Bedroom-Primary
  • Room Width: .00
Room 2
  • Room Dimensions: 0 x 0
  • Room Length: .00
  • Room Level: 1
  • Room Type: Living Room
  • Room Width: .00
Property
Utilities
  • Utilities: Aerobic Septic, Asphalt, Cable Available, Electricity Connected, Outside City Limits, Phone Available, Propane, Well
Property and Assessments
  • Exclusions: Personal furniture and belongings.
  • Financing Proposed: Cash, Conventional, FHA
  • Handicap: No
  • Loan Type: Treat As Clear
  • Restrictions: No Known Restriction(s)
  • Property Match: APN
Lot Information
  • Easements: Utilities
  • Lot Features: Acreage
  • Lot Size: 1 to < 3 Acres
  • Lot Size Acres: 2.14
  • Lot Size Area: 2.14
  • Lot Size Units: Acres
  • Lot Size Square Feet: 93218.4
  • Multi Parcel ID: No
  • Parcel Number: 117060
  • Soil Type: Unknown
  • Property Attached: No
Farm Information
  • Vegetation: Brush, Cleared, Partially Wooded
Green Features
  • Green Landscaping: Native Landscape

Property History for 40 Cumberland Circle

DateEvent & SourcePriceAppreciation
May 13, 2026

Price Change

NTREIS #21059924

$374,000—
Apr 3, 2026

Price Change

NTREIS #21059924

$384,900—
Mar 9, 2026

Price Change

NTREIS #21059924

$399,900—
DateEvent & SourcePrice
05/13/2026

Price Change

NTREIS #21059924

$374,000
04/03/2026

Price Change

NTREIS #21059924

$384,900
03/09/2026

Price Change

NTREIS #21059924

$399,900

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 40 Cumberland Circle

Taxable ValueLand$122,312Additions$280,172Total$402,484
Tax Record2024$804 ($67 / month)
Home Facts
Beds0Total Finished SqFt1,909 SqFtAbove Grade Finished SqFt1,909 SqFtLot Size93,218 SqFtStyleSingle Family ResidenceYear Built1985Year Renovated1998CountyGRAYSONAPN106A665703301

Schools near 40 Cumberland Circle

This home is within Denison Independent School District.
Rating
School
Type
Grades
Distance
Lamar Elementary School
Public - PK to 4
Henry Scott Middle
Public - 7 to 8
Denison High School
Public - 9 to 12
GRAYSON COUNTY JJAEP - DENISON
Public - 9
Rating
School
Distance
Lamar Elementary School
PublicPK to 4

Henry Scott Middle
Public7 to 8

Denison High School
Public9 to 12

GRAYSON COUNTY JJAEP - DENISON
Public9

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 40 Cumberland Circle, Denison, TX 75021

40 Cumberland Circle is a single family home for sale in Denison, TX 75021. This property was listed for sale on September 12, 2025 by Ann's Realty, it's currently listed at $374,000. This listing's school district is Denison Independent School District. Nearby schools include Lamar Elementary School, Henry Scott Middle and Denison High School. 40 Cumberland Circle is a 3-bed, 3-bath, 1,909 sqft single family home built in 1985.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Ann's Realty, Dianna Whitlock

The information being provided by North Texas Real Estate Information Systems (NTREIS) and Greater Tyler Association of REALTORS is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumer may be interested in purchasing. This website may reference real estate listing(s) held by a brokerage firm other than Compass and its related brokerages. Any information relating to real estate for sale in Dallas, Texas comes from NTREIS. Listings marked with an icon are provided courtesy of the NTREIS Internet Data Exchange database. The accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be verified through personal inspection by and/or with appropriate professionals.The data contained herein is copyrighted by NTREIS and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Copyright 2026 North Texas Real Estate Information Systems. All rights reserved. Date last updated: 06/01/2026 07:59 PM