64 Cedar Ridge Cv, Atoka, TN, 38004
About This Home
Unlock huge savings with a rare 2.75% assumable loan at 64 Cedar Ridge Cove, Atoka! This assumable mortgage could save you hundreds of thousands of dollars over the life of the loan compared to today’s rates. This stunning 5-bed, 3-bath home in Cedar Ridge Estates sits on 1.59 acres and features a gourmet kitchen, soaring ceilings, sunroom, home office, organic garden, greenhouse, pond, and 3-car garage. Enjoy a short walk to Atoka Elementary and an easy 16-minute commute to NSA Millington. Experience luxury, comfort, and unbeatable value in a friendly neighborhood close to schools, shopping, and dining. Don’t miss this unique opportunity—homes with this kind of financial advantage are rare!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2020
Materials
- Foundation: Slab
- Roof: Composition Shingles
- Construction materials: Brick Veneer,Wood/Composition
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Vent Hood/Exhaust Fan,Dishwasher,Disposal,Double Oven,Dryer,Gas Cooktop,Instant Hot Water,Microwave,Refrigerator,Washer
- Laundry features: Laundry Room
Bedroom2
- Features: Carpet,Smooth Ceiling,Walk-In Closet(s)
- Level: First
- Area: 192
Bedroom3
- Features: Carpet,Walk-In Closet(s)
- Level: Second
- Area: 204
Bedroom4
- Features: Carpet,Walk-In Closet(s)
- Level: Second
- Area: 154
Bedroom5
- Features: Carpet,Walk-In Closet(s)
- Level: Second
- Area: 666
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Den
- Area: 368
Features
- 1 or More BR Down,Double Vanity Bath,Full Bath Down,Luxury Primary Bath,Primary Down,Separate Tub & Shower,Split Bedroom Plan,High Ceilings,Smooth Ceiling,Walk-In Closet(s),2 or More Baths,2nd Bedroom,Den/Great Room,Kitchen,Laundry Room,Living Room,Office,Primary Bedroom,Sun Room,1 Bath,4th or More Bedrooms,Square Feet Source: Floor Plans (Builder/Architecture)
- Window features: Double Pane Windows,Window Treatments
- Flooring: Part Carpet,Tile,Vinyl
- Number of fireplaces: 3
- Fireplace features: Gas Log,Gas Starter,Masonry,Ventless
- Fireplace: Yes
- Attic: Walk-In
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total interior livable area: 3,600 sqft
Kitchen
- Features: Breakfast Bar,Eat-in Kitchen,Kitchen Island,Pantry,Separate Breakfast Room,Updated/Renovated Kitchen
- Area: 247
Living Room
- Features: Separate Living Room
Master Bathroom
- Features: Double Vanity,Separate Shower,Smooth Ceiling,Tile Floor,Full Bath
Master Bedroom
- Features: Hardwood Floor,Walk-In Closet(s)
- Level: First
- Area: 252
Office
- Features: Hardwood Floor,Smooth Ceiling
- Level: Second
- Area: 110
Property
Details
- Parcel number: 143D 142 D01200
Features
- Stories: 2
- Pool features: None
- Patio & porch: Porch,Patio,Covered Patio,Deck
- Fencing: Wood,Wood Fence
- On waterfront: Yes
- Waterfront features: Cove,Lake/Pond on Property,Water Access,Waterfront
Lot
- Lot size: 1.59 Acres
- Features: Landscaped,Level,Professionally Landscaped,Some Trees,Wooded Grounds
- Lot size dimensions: 1.59
Parking
- Total spaces: 3
- Parking features: More than 3 Coverd Spaces,Garage Faces Side
- Has garage: Yes
- 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
- Tornado
- Cold Wave
- Heat Wave
- Ice Storm
- Lightning
- Earthquake
- Inland Flooding
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Tennessee Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,185 | $38,220 |
| Home Insurance | $383 | $4,596 |
| Property Taxes | $1,186 | $14,232 |
| Electricity | $292 | $3,510 |
| Total | $5,046 | $60,552 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-02 | Price change | $630,000 |
| 2026-06-05 | Listed for sale | $648,900 |
| 2020-08-14 | Sold | $369,000 |
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