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525 Sharp Springs Rd, Winchester, TN, 37398

2beds
2baths
1,600sqft
$230,000
$144price/sqft
$1,542/moest. monthly cost
$61,680/yrincome needed

About This Home

Charming and efficiently designed home offering incredible value with generous square footage! This well-maintained property features 2 spacious bedrooms upstairs along with a full bath, plus an additional full bath on the main level for added convenience. The open-concept layout connects the great room, dining area, and a large, updated kitchen—perfect for everyday living and entertaining. Enjoy durable LVP flooring throughout and a full-size laundry room that adds to the home’s functionality. Located in close proximity to Tim's Ford Lake, downtown Winchester, and Twin Creeks Marina, this home is perfect for those who love lake life and convenience. The nearest boat ramp is just 5 minutes away, making it easy to enjoy boating, fishing, and waterfront recreation anytime. A fantastic opportunity to own a move-in ready home with plenty of space for the price, and a large lot with enough room to add a detached garage or potentially a second home!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
Clark Memorial SchoolGrades PK-50.6 mi
4/10
North Middle SchoolGrades 6-81.8 mi
4/10
Franklin Co High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2007

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: None

Bedroom1

  • Features: Walk-In Closet(s)
  • Level: Walk-In Closet(s)
  • Area: 198
  • Dimensions: 18x11

Bedroom2

  • Features: Walk-In Closet(s)
  • Level: Walk-In Closet(s)
  • Area: 198
  • Dimensions: 18x11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Combination
  • Level: Combination
  • Area: 100
  • Dimensions: 10x10

Features

  • Finished area above ground: 1,600

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,600
  • Total interior livable area: 1,600 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Eat-in Kitchen

Living Room

  • Features: Separate
  • Level: Separate
  • Area: 340
  • Dimensions: 20x17

Property

Details

  • Parcel number: 065F C 02801 000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 2

Lot

  • Lot size: 0.43 Acres
  • Lot size dimensions: 100 x 143.43 IRR

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Earthquake
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Tennessee Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,163$13,956
Home Insurance $112$1,344
Property Taxes $92$1,104
Electricity $175$2,103
Total$1,542$18,504

Income You'd Need if You Spent...

35% on housing$52,868/yr
40% on housing$46,260/yr
45% on housing$41,120/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 37398$215
Franklin County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 37398$211
Franklin County$194

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Price change$239,000
2026-04-07Price change$249,000
2026-03-20Listed for sale$254,900
2024-03-21Sold$209,000
2024-02-09Contingent$209,000
2024-01-29Price change$209,000
2024-01-07Listed for sale$220,000
2023-06-19Listing removed--
2023-06-13Price change$215,000
2023-04-06Price change$219,000
2023-02-07Price change$220,000
2023-01-22Listed for sale$235,000

For Sale by Agent

AgentStephanie Jo Dowdy
BrokerageFreedom Realty Group

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