# 40 Cumberland Circle, Denison, TX 75021

> **TL;DR:** 3bd/3ba single family, $369,000 ($193/sqft), built 1985, 1,909 sqft.
> Fireplace, A/C, RV Parking. Est. $1,974/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $369,000 |
| Price/sqft | $193 |
| Bedrooms | 3 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 1,909 |
| Year Built | 1985 |
| Lot Size | 93,218 sqft (2.14 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,866 |
| Estimated Insurance | $108 |
| **Total** | **$1,974** |

## Nearby Schools

- **Elementary:** Lamar
- **Middle:** Henry Scott
- **High:** Denison

## Key Amenities

- Fireplace
- A/C
- RV Parking

## Property Highlights

- Built in 1985
- 2.14 acre lot
- Fireplace

## Description

### Agent 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 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. Recent appraisal places value slightly above list price. New updated survey obtained. 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.

## Location

- **Address:** 40 Cumberland Circle, Denison, TX 75021
- **County:** Grayson
- **Neighborhood:** Cross Timber Estates
- **Coordinates:** 33.714323, -96.489082
- **Google Maps:** https://www.google.com/maps?q=33.714323,-96.489082

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/ntreis/21059924

## Listing Agent

- **Name:** Dianna Whitlock
- **Brokerage:** Ann's Realty
- **Phone:** (903) 818-2676
- **Broker Phone:** (903) 818-2676
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/40-Cumberland-Cir_Denison_TX_75021_M77794-99948?f=listhub&s=NTREIS&m=21059924&c=propsimple)

## Photos

![40 Cumberland Circle - Photo 1](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3175685682r.jpg)

![40 Cumberland Circle - Photo 2](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3374364404r.jpg)

![40 Cumberland Circle - Photo 3](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f980868588r.jpg)

![40 Cumberland Circle - Photo 4](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2726659161r.jpg)

![40 Cumberland Circle - Photo 5](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2692301774r.jpg)

![40 Cumberland Circle - Photo 6](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f1854572849r.jpg)

![40 Cumberland Circle - Photo 7](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f769836230r.jpg)

![40 Cumberland Circle - Photo 8](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f344195088r.jpg)

![40 Cumberland Circle - Photo 9](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f196651439r.jpg)

![40 Cumberland Circle - Photo 10](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3828957978r.jpg)

![40 Cumberland Circle - Photo 11](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2208555306r.jpg)

![40 Cumberland Circle - Photo 12](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2183462866r.jpg)

![40 Cumberland Circle - Photo 13](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f1762430407r.jpg)

![40 Cumberland Circle - Photo 14](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2597422457r.jpg)

![40 Cumberland Circle - Photo 15](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f1654340897r.jpg)

![40 Cumberland Circle - Photo 16](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f970530136r.jpg)

![40 Cumberland Circle - Photo 17](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2978454709r.jpg)

![40 Cumberland Circle - Photo 18](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f1942794018r.jpg)

![40 Cumberland Circle - Photo 19](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f593883834r.jpg)

![40 Cumberland Circle - Photo 20](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2436363412r.jpg)

![40 Cumberland Circle - Photo 21](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3846830443r.jpg)

![40 Cumberland Circle - Photo 22](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3213876527r.jpg)

![40 Cumberland Circle - Photo 23](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3462028620r.jpg)

![40 Cumberland Circle - Photo 24](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f1263481185r.jpg)

![40 Cumberland Circle - Photo 25](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2822527247r.jpg)

![40 Cumberland Circle - Photo 26](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f857910294r.jpg)

![40 Cumberland Circle - Photo 27](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2950619250r.jpg)

![40 Cumberland Circle - Photo 28](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3680695925r.jpg)

![40 Cumberland Circle - Photo 29](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f4083539717r.jpg)

![40 Cumberland Circle - Photo 30](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f319693517r.jpg)

![40 Cumberland Circle - Photo 31](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3118664074r.jpg)

![40 Cumberland Circle - Photo 32](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f729607842r.jpg)

![40 Cumberland Circle - Photo 33](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f1955903719r.jpg)

![40 Cumberland Circle - Photo 34](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f4082030304r.jpg)

![40 Cumberland Circle - Photo 35](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f4083931280r.jpg)

![40 Cumberland Circle - Photo 36](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2600463382r.jpg)

![40 Cumberland Circle - Photo 37](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2949541759r.jpg)

![40 Cumberland Circle - Photo 38](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3118890990r.jpg)

![40 Cumberland Circle - Photo 39](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f2772138660r.jpg)

![40 Cumberland Circle - Photo 40](http://lh.rdcpix.com/b0c2e6009930f1ffdac1d0c51699abbal-f3226553759r.jpg)

---

**MLS#:** 21059924 | **Updated:** 2026-07-01
**Source:** listhub

*Copyright © 2026 North Texas Real Estate Information Systems, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/40-cumberland-circle-denison-tx-75021-21059924)

---

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      },
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        "name": "RV Parking",
        "value": true
      }
    ],
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      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "2.14 acres"
      },
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        "value": "Single Family Residence"
      }
    ]
  },
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    "@id": "https://www.propertysimple.ai/listing/40-cumberland-circle-denison-tx-75021-21059924#offer",
    "url": "https://www.propertysimple.ai/listing/40-cumberland-circle-denison-tx-75021-21059924",
    "price": 369000,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
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    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/40-cumberland-circle-denison-tx-75021-21059924#agent",
    "name": "Dianna Whitlock",
    "telephone": "(903) 818-2676",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/40-cumberland-circle-denison-tx-75021-21059924#brokerage",
      "name": "Ann's Realty",
      "telephone": "(903) 818-2676"
    }
  }
}
```