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221 Hammock Dr, Winchester, TN, 37398

4beds
6baths
3,812sqft
$1,199,000
$315price/sqft
$9,394/moest. monthly cost
$375,760/yrincome needed

About This Home

BEST LAKE VIEW in the neighborhood and MULTIPLE RESORT STYLE SWIMMING POOLS!!! Welcome to 221 Hammock Drive, an exceptional custom residence located in the prestigious Twin Creeks Village community. Built in 2022, this approximately 3,812-square-foot home boasts 4 BR, 4BTH and 2 HBTH and offers a Master Bedroom on the main and second floor. Step inside to a luxurious feel and open floorplan and enjoy features such as a gas burning fireplace in the living room and stainless steel appliances in the kitchen, or step outside on either level of the home into a screened in deck, which allows the perfect atmosphere for relaxing and entertaining guests. The home also features an attached 2 car garage, a separate smaller garage, and a storm room on the main level. Enjoy a true resort-style lifestyle with convenient access to Twin Creeks Marina, where boating, fishing, kayaking, and watersports are only a short walk away. The neighborhood is known for its golf-cart-friendly atmosphere, underground utilities, fiber internet service, scenic walking paths, multiple resort-style swimming pools, clubhouse amenities, putting green, and picturesque views. The surrounding area offers an outstanding blend of recreation and convenience. Downtown Winchester is only minutes away, featuring restaurants, boutiques, coffee shops, grocery stores, healthcare services, and community events throughout the year. Larger cities including Nashville, Chattanooga, and Huntsville are all within approximately a 90-minute drive, making this an ideal primary residence, vacation retreat, or investment property. Close proximity to Clark Memorial School, North Middle School, and Franklin County High School, Whether you’re seeking a peaceful lake lifestyle, a weekend getaway, or a luxury home in one of Tennessee’s fastest-growing waterfront communities, 221 Hammock Drive offers the perfect balance of upscale living, natural beauty, and year-round recreation in the heart of Twin Creeks Village.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Clark Memorial SchoolGrades PK-50.8 mi
4/10
North Middle SchoolGrades 6-82.5 mi
4/10
Franklin Co High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Oven,Gas Range,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer

Basement

  • Basement: None

Bedroom1

  • Area: 210
  • Dimensions: 14x15

Bedroom2

  • Area: 132
  • Dimensions: 11x12

Bedroom3

  • Area: 143
  • Dimensions: 11x13

Bedroom4

  • Area: 256
  • Dimensions: 16x16

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2
  • Main level bedrooms: 2

Features

  • Air Filter,Bookcases,Built-in Features,Ceiling Fan(s),Entrance Foyer,Extra Closets,High Ceilings,Pantry,Walk-In Closet(s),Wet Bar
  • Flooring: Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area above ground: 3,812

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,812
  • Total interior livable area: 3,812 sqft

Kitchen

  • Area: 110
  • Dimensions: 11x10

Living Room

  • Area: 352
  • Dimensions: 16x22

Master Bathroom

  • Features: Double Vanity
  • Level: Double Vanity

Other

  • Area: 110
  • Dimensions: 10x11

Other

  • Area: 170
  • Dimensions: 17x10

Recreation Room

  • Features: Second Floor
  • Level: Second Floor
  • Area: 494
  • Dimensions: 19x26

Property

Details

  • Parcel number: 065J J 07400 000
  • Special condition: Standard
  • Other equipment: Irrigation System,Air Purifier

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Screened

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $6,062$72,744
Home Insurance $587$7,044
Property Taxes $2,436$29,232
Electricity $309$3,716
Total$9,394$112,728

Income You'd Need if You Spent...

35% on housing$322,080/yr
40% on housing$281,820/yr
45% on housing$250,506/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

$315This listing

vs Other Active Listings

Avg $/sqft

ZIP 37398$211
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
2026-07-02Listed for sale$1,199,000
2021-04-23Sold$250,000
2020-08-21Sold$231,900
2017-02-28Sold$470,000
2014-01-23Sold$190,000

For Sale by Agent

AgentHoward Hicks
BrokerageBenchmark Realty, LLC

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