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142 Tobe Ln, Celina, TN, 38551

4beds
2baths
1,950sqft
$899,950
$462price/sqft
$5,596/moest. monthly cost
$223,840/yrincome needed

About This Home

DALE HOLLOW LAKE LOVERS!! Less than 10 mi. from Cedar Hill Marina at Dale Hollow Lake, escape from the world to this Hill Top Haven of 190+ acres of UNRESTRICTED, beauty and peace. This super nice top of the line, truly modular home w/hardy plank siding, 4 bedrooms, 2 full baths, open concept living, dining & kitchen (island). Poised perfectly at the end of a private drive to enjoy the sites and sounds of nature. Many bonuses - a detached office, 2 car carport (room for your tractors and ATVs), a shed, & metal storage building. Also, mostly wooded w/MARKETABLE TIMBER & ROCK. Equipped w/electric, fiber internet, city water & well water (well water is not in use but can be). Just off of Wet Mill Creek, this terrific neighborhood is 10 minutes away from the City of Celina. Move in ready. A shooting range, hunter's haven and a hiking paradise that feels like a little Garden of Eden. Viewed by appointment only. Seller discloses septic permit is for 3 bedrooms. 4th is used for office.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
Celina K-8Grades PK-82.9 mi
6/10
Clay County High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 2014

Materials

  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type,Frame,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator,Electric Range,Microwave,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space,Block

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 4

Dining Room

  • Level: Main

Features

  • New Floor Covering,New Paint,Ceiling Fan(s),Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: One,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Central
  • Cooling features: Central Air,Other

Interior Area

  • Total structure area: 1,950
  • Total interior livable area: 1,950 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 078 014.00

Features

  • Levels: One
  • Patio & porch: Porch,Covered
  • Exterior features: Horses Allowed,Other,Garden
  • Has view: Yes
  • View description: No Water Frontage View Description
  • Water view: No Water Frontage View Description
  • Waterfront features: No Water Frontage View Description
  • Horses can be raised: Yes

Lot

  • Lot size: 190.22 Acres
  • Features: Irregular Lot,Greenbelt,Horse Property,Wooded,Cleared,Views,Trees
  • Lot size dimensions: 190.22

Parking

  • Total spaces: 2
  • Parking features: Detached Carport
  • Covered spaces: 2
  • Carport: Yes

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $4,550$54,600
Home Insurance $557$6,684
Property Taxes $314$3,768
Electricity $175$2,103
Total$5,596$67,152

Income You'd Need if You Spent...

35% on housing$191,862/yr
40% on housing$167,880/yr
45% on housing$149,226/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -11.3%
-11.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$462This listing

vs Other Active Listings

Avg $/sqft

ZIP 38551$124
Clay County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 38551
Clay County$131

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
2026-02-23Price change$899,950
2025-09-20Price change$964,500
2025-08-15Listed for sale$989,500
2008-12-30Sold$180,000
2008-07-31Sold$25,000

For Sale by Agent

AgentMartha Brennecke
BrokerageExit Cross Roads Realty Celina

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