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2705 Wharf Rd, Savannah, TN, 38372

3beds
2baths
1,248sqft
$269,000
$216price/sqft
$1,903/moest. monthly cost
$76,120/yrincome needed

About This Home

Wake up to the peaceful shimmer of the Tennessee River and end your evenings with sunsets from your own private balcony—this is the kind of place where memories are made. This is the perfect retreat for full-time living or weekend getaways in Riverside Estates. This 3 bedroom, 1.5 bath river cottage at Pickwick isn't just a home... it's a retreat. From the moment you step inside, the vaulted ceilings and natural light draw you in, creating a bright, open space that instantly feels calm and inviting. Whether you're hosting weekend get-togethers or enjoying quiet mornings with coffee overlooking the water, every corner of this home was made to be lived in and loved. The upper level is the heart of the home, featuring a spacious living area, oversized kitchen with abundant cabinetry, convenient desk space, and a beautifully designed bathroom with dual vanities, a soaking tub, and separate shower—your own little escape after a long day. Step outside onto the balcony and take in those breathtaking Tennessee River views... this is where your mornings begin and your stress ends. Downstairs, you'll find a cozy third bedroom, laundry room, and 2-car garage, along with warm cedar wood finishes that bring a rustic, cabin-like charm. Walk straight out onto the covered patio—perfect for relaxing after a day on the water. Property is on public water &n septic. And the lifestyle? That's where this property truly shines. This property offers extra space and versatility. Sitting on two full lots, you have room to spread out, entertain, and store all your toys. The 30x30 pole barn pavilion with concrete pad is ready for your boat, RV, golf cart, or weekend gear—because life at the river is meant to be enjoyed. Whether you're looking for a weekend getaway, investment opportunity, or a place to call home year-round, this one offers the space, views, and lifestyle you've been searching for. This isn't just a property... it's your place at the river. Call today for your personal showing.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
5/10
5/10
Hardin County High SchoolGrades 9-1210.3 mi

Construction

Condition

  • Property condition: false
  • Year built: 2000

Materials

  • Foundation: Block
  • Construction materials: Block,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Electric Water Heater,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup

Bedroom

  • Level: Main
  • Area: 120
  • Dimensions: 10.0 x 12.0

Bedroom

  • Level: Lower
  • Area: 99
  • Dimensions: 11.0 x 9.0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 150
  • Dimensions: 10.0 x 15.0

Features

  • Ceiling Fan(s),Double Vanity,Eat-in Kitchen,High Ceilings,Open Floorplan,Soaking Tub,Vaulted Ceiling(s)
  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,348
  • Total interior livable area: 1,248 sqft

Kitchen

  • Level: Main
  • Area: 242
  • Dimensions: 22.0 x 11.0

Laundry

  • Level: Lower
  • Area: 132
  • Dimensions: 12.0 x 11.0

Living Room

  • Level: Main
  • Area: 238
  • Dimensions: 17.0 x 14.0

Master Bedroom

  • Level: Main
  • Area: 154
  • Dimensions: 11.0 x 14.0

Property

Details

  • Parcel number: 143F A 005.00 143F A 005.01
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Patio,Rear Porch
  • Exterior features: Balcony
  • Has view: Yes
  • View description: River,Water
  • Has water view: Yes
  • Water view: River,Water

Lot

  • Lot size: 0.78 Acres
  • Features: Corner Lot,Level
  • Lot size dimensions: 148.98 x 208.96 x 159.75 x 218

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Rear,Open,Parking Pad,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Landslide
Strong Wind
Heat Wave
Lightning
Tornado

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 $1,360$16,320
Home Insurance $272$3,264
Property Taxes $96$1,152
Electricity $175$2,103
Total$1,903$22,836

Income You'd Need if You Spent...

35% on housing$65,245/yr
40% on housing$57,090/yr
45% on housing$50,746/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -4.2%
-4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 38372$190
Hardin County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 38372
Hardin County$152

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
2026-03-21Listed for sale$299,000
2012-11-26Sold$100,000
2012-11-22Pending sale$125,000
2012-08-17Price change$125,000
2012-05-23Price change$149,900
2011-02-02Listed for sale$169,900

For Sale by Agent

AgentJennifer Harris
BrokerageRE/MAX Unlimited

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