144 Ripshin Lake Rd, Roan Mountain, TN, 37687
About This Home
RARE Appalachian retreat. Mountain Cottage in the exclusive Ripshin Lake community--a hidden gem nestled in the heart of the Appalachian Mountains! Perched in an enviable location overlooking the lake's deepest basin, this mountain retreat offers breathtaking southwest-facing views of the shimmering waters and the picturesque Unaka Range. Recent updates include a new well, updated roof, HVAC, flooring, fresh paint, plumbing, along with a new electrical panel. The cabin features extra usable space in the full height crawlspace that offers easy access to mechanical systems as well as a NEW Encapsulation system with dehumidifier. The improvements give the next owners a sense of security while preserving the rustic charm. This property is part of the Ripshin Lake Corporation, a unique structure fully owned and directed by the lake's property owners. As an equal shareholder, the owner has access to over 120 additional acres of corporate land as well as the IDYLLIC 60+ acre Lake. Owners have a voice in preserving and enhancing this special environment and maintains a stake in its pristine assets and operations. Adjacent to the Cherokee National Forest and the Roan Highlands, Ripshin Lake is surrounded by the majestic beauty of the Unaka Ridge. Established nearly 70 years ago, this private enclave is dedicated to the serene enjoyment of East Tennessee's natural wonders, offering unparalleled opportunities for fishing, boating, hiking, and peaceful relaxation. Additionally, significant community improvements include updates to the Ripshin Lake Dam, ensuring compliance with modern regulatory standards and safeguarding the lake's sustainability for generations to come. All assessments related to these updates have been fully paid, providing peace of mind to the next owner. Whether you're seeking a tranquil retreat to unwind or an active outdoor lifestyle, Ripshin Lake delivers the perfect blend of natural beauty, adventure, and community stewardship. Buyer/Buyer's agent to verify all MLS info.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Above Average
- Year built: 1963
Materials
- Foundation: Block
- Roof: Asphalt,Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin,Chalet,Cottage
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Range,Refrigerator
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Exterior Entry
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Master Downstairs,Kitchen Island,Laminate Counters,Open Floorplan
- Window features: Single Pane Windows
- Flooring: Luxury Vinyl
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 2,288
- Total interior livable area: 1,408 sqft
Master Bedroom
- Level: Lower
Property
Details
- Parcel number: 098n A 014.00
- Zoning: Residential
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Rear Porch
- Exterior features: Dock
- Has view: Yes
- View description: Water,Mountain(s),Creek/Stream
- Has water view: Yes
- Water view: Water,Creek/Stream
- On waterfront: Yes
- Waterfront features: Lake,Lake Privileges
- Topography of land: Mountainous, Sloped, Wooded, See Remarks
Lot
- Lot size: 0.28 Acres
- Lot size dimensions: 151' x 79'
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
- Inland Flooding
- Landslide
- Lightning
- 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 | $2,118 | $25,416 |
| Home Insurance | $188 | $2,256 |
| Property Taxes | $760 | $9,120 |
| Electricity | $175 | $2,103 |
| Total | $3,241 | $38,892 |
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 |
|---|---|---|
| 2026-08-03 | Listed for sale | $419,000 |
| 2025-09-12 | Sold | $370,000 |
| 2025-08-29 | Pending sale | $399,000 |
| 2025-08-05 | Price change | $399,000 |
| 2025-04-22 | Price change | $419,000 |
| 2025-01-08 | Listed for sale | $487,500 |
| 2024-08-22 | Sold | $122,517 |
| 2012-04-19 | Sold | $110,000 |
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