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696 Stirling Rd, Camden, TN, 38320

2beds
3baths
2,928sqft
$699,500
$239price/sqft
$5,359/moest. monthly cost
$214,360/yrincome needed

About This Home

WELL MAINTAINED, MOVE-IN READY WATERFRONT HOME WITH BOAT DOCK!!This spacious, beautiful 2 bedroom, 3 bath waterfront home features a Full, partially finished basement with a full bath that could easily be converted to full living quarters for additional bedroom, den or recreational space--Kitchen features stainless steel appliances that will stay with the home---Living room, kitchen, dining area and bedrooms features waterproof, scratch free laminate flooring, bathrooms and utility room have tile---Master bedroom features Huge walk-in closet and large bath---Gas log fireplaces in Living room and basement---Home features Pella windows--2 bay boat dock with 1 lift--Walk around balcony in front of the home with great view of the water--Inside of the home is handicap accessible--Nassau blanket in the attic for added insulation--Short distance to the Magic Valley golf course--Less than 5 miles to the city of Camden for shopping needs--All this home needs is YOU!!!All measurements estimated.

Getting Around

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

Schools

--
Camden Elementary SchoolGrades PK-24.1 mi
5/10
Camden Jr High SchoolGrades 6-84.5 mi
6/10

Construction

Condition

  • Year built: 2010

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Dishwasher,Microwave,Range/Oven-Gas,Oven,Washer,Dryer
  • Laundry features: Main Level

Basement

  • Area: 1400

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedroom2

  • Level: Main
  • Area: 156

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Ceiling Fan(s),Walk-In Closet(s),Soaking Tub,Kitchen Island,Bookcases
  • Door features: Storm-Part
  • Window features: Insulated Windows,Vinyl Clad,Fold-out,Window Treatments
  • Flooring: Tile,Laminate
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Attic: Access Only

Heating & Cooling

  • Heating features: Heat Pump,Fireplace(s),Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,928
  • Total interior livable area: 2,928 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 200

Master Bedroom

  • Level: Main
  • Area: 191.7

Property

Details

  • Parcel number: 019.00

Features

  • Levels: Two
  • Patio & porch: Side Porch,Deck
  • Exterior features: Balcony
  • Fencing: Wood,Partial,Vinyl
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 0.26 Acres
  • Features: County
  • Lot size dimensions: .26 acre per ta x card

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Earthquake
Heat Wave
Ice Storm
Winter Weather

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 $3,537$42,444
Home Insurance $614$7,368
Property Taxes $971$11,652
Electricity $237$2,854
Total$5,359$64,308

Income You'd Need if You Spent...

35% on housing$183,737/yr
40% on housing$160,770/yr
45% on housing$142,906/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 38320$171
Benton County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 38320
Benton County$211

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
2026-03-05Listed for sale$699,500
2021-06-10Sold$5,000
2010-05-03Sold$12,000

For Sale by Agent

AgentKevin Stepp
BrokeragePatriot Realty USA, Camden LLC

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