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384 Virgil Smith Rd, Crossville, TN, 38571

3beds
2baths
1,685sqft
$255,000
$151price/sqft
$1,817/moest. monthly cost
$72,680/yrincome needed

About This Home

Enjoy peaceful country living with the convenience of being just minutes from town in this well-maintained Clayton double-wide home on a permanent foundation. Featuring a split floor plan with 2 bedrooms, 2 versatile bonus rooms, and 2 full bathrooms, this home offers both space and flexibility. Spacious great room with kitchen island Stainless steel appliances included New walk-in shower and roof replaced 3 years ago Covered carport for convenient parking Level lot with a large storage building Whether you're looking for a starter home, downsizing, or seeking a peaceful getaway close to town, this home has what you need--comfort, updates, and space!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Year built: 2013

Materials

  • Construction materials: Steel,Vinyl Siding,Block

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Self Cleaning Oven

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Kitchen Island,Bonus Room
  • Flooring: Laminate
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,685
  • Total interior livable area: 1,685 sqft

Property

Details

  • Parcel number: 074 00401 000

Features

  • Has view: Yes
  • View description: Country Setting

Lot

  • Lot size: 0.72 Acres
  • Features: Level
  • Lot size dimensions: 202 x 179

Parking

  • Total spaces: 2
  • Parking features: Main Level
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather
Hail

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 $1,289$15,468
Home Insurance $115$1,380
Property Taxes $238$2,856
Electricity $175$2,103
Total$1,817$21,804

Income You'd Need if You Spent...

35% on housing$62,297/yr
40% on housing$54,510/yr
45% on housing$48,453/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: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 38571$239
Cumberland County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 38571$221
Cumberland County$201

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
2026-05-14Price change$265,000
2026-05-05Listed for sale$275,000
2025-10-02Listing removed$239,900
2025-07-28Pending sale$239,900
2025-07-17Price change$239,900
2025-06-09Price change$245,000
2025-05-18Price change$249,900
2025-04-30Listed for sale$255,000
2020-09-30Sold$117,500
2020-08-17Pending sale$120,000
2020-08-11Listed for sale$120,000
2000-10-31Sold$3,500

For Sale by Agent

AgentMark Hall
BrokerageTennessee Realty, LLC

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