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49 Why Worry Ln, Winchester, TN, 37398

4beds
4baths
3,521sqft
$998,996
$284price/sqft
$7,888/moest. monthly cost
$315,520/yrincome needed

About This Home

Experience elevated lake living in this fully custom residence in sought-after Twin Creeks Village, offering over 3,500 square feet of thoughtfully curated design and exceptional craftsmanship. Created for both grand entertaining and everyday comfort, the expansive open-concept layout is anchored by a true chef’s kitchen featuring a dramatic oversized quartz island with integrated dining, 60” refrigerator/freezer towers, gas cooktop with pot filler, double ovens, and extensive custom cabinetry. A hidden walk-in pantry with direct grocery door access from the garage adds a rare and thoughtful touch. The great room makes a statement with its coffered ceiling, soaring floor-to-ceiling stone fireplace, and custom built-ins. A stunning brick archway leads to a warm and inviting den with wood beams and a second gas fireplace, offering an intimate retreat within the home. This residence offers 4 bedrooms (2 up / 2 down), including a luxurious primary suite with shiplap ceiling and wood beam accents. The spa-inspired primary bath features a large walk-in shower, soaking tub, dual vanities, and linen towers—designed for both beauty and function. A large Bonus Room with closet could easily serve as Bedroom 5, if needed. Designer details abound, including extensive board and batten trim throughout. Outdoor living is equally impressive with a rear porch enclosed by Poly-Vinyl windows, along with a front porch, screened porch, and sidewalks all finished in sleek epoxy coatings. An oversized rear patio and full irrigation system (front and back) complete the outdoor experience. Set within the gated, lakefront community of Twin Creeks Village, this home offers not just a residence—but a lifestyle defined by elegance, ease, and connection to the water.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
Clark Memorial SchoolGrades PK-50.6 mi
4/10
North Middle SchoolGrades 6-82.6 mi
4/10
Franklin Co High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Brick,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Oven,Double Oven,Built-In Gas Range,Dishwasher,Disposal,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bedroom1

  • Features: Suite
  • Level: Suite
  • Area: 270
  • Dimensions: 18x15

Bedroom2

  • Features: Extra Large Closet
  • Level: Extra Large Closet
  • Area: 182
  • Dimensions: 14x13

Bedroom3

  • Features: Bath
  • Level: Bath
  • Area: 156
  • Dimensions: 13x12

Bedroom4

  • Features: Bath
  • Level: Bath
  • Area: 210
  • Dimensions: 15x14

Bedrooms & Bathrooms

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

Den

  • Features: Separate
  • Level: Separate
  • Area: 252
  • Dimensions: 18x14

Dining Room

  • Features: Combination
  • Level: Combination
  • Area: 162
  • Dimensions: 18x9

Features

  • Built-in Features,Ceiling Fan(s),Entrance Foyer,Extra Closets,High Ceilings,Open Floorplan,Pantry,Walk-In Closet(s),High Speed Internet,Kitchen Island
  • Flooring: Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Den,Gas,Living Room
  • Fireplace: Yes
  • Finished area above ground: 3,521

Heating & Cooling

  • Heating features: Central,Heat Pump,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,521
  • Total interior livable area: 3,521 sqft

Kitchen

  • Area: 252
  • Dimensions: 18x14

Living Room

  • Features: Great Room
  • Level: Great Room
  • Area: 357
  • Dimensions: 21x17

Master Bathroom

  • Features: Suite
  • Level: Suite

Recreation Room

  • Features: Other
  • Level: Other
  • Area: 468
  • Dimensions: 26x18

Property

Details

  • Parcel number: 065J J 01600 000
  • Special condition: Owner Agent
  • Other equipment: Irrigation System

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Patio & porch: Porch,Covered,Patio,Screened
  • Exterior features: Boat Slip,Gas Grill
  • Fencing: Back Yard
  • Topography of land: Level

Lot

  • Lot size: 0.28 Acres
  • Features: Level

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $5,051$60,612
Home Insurance $489$5,868
Property Taxes $2,062$24,744
Electricity $286$3,432
Total$7,888$94,656

Income You'd Need if You Spent...

35% on housing$270,445/yr
40% on housing$236,640/yr
45% on housing$210,346/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

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 37398$212
Franklin County$203

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
2026-05-09Price change$998,996
2026-04-20Listed for sale$1,049,990
2017-06-26Sold$57,900

For Sale by Agent

AgentShelia Lunsford
BrokerageBenchmark Realty, LLC

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