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405 Halstead Dr, Crossville, TN, 38555

3beds
2baths
2,176sqft
$385,000
$177price/sqft
$2,720/moest. monthly cost
$108,800/yrincome needed

About This Home

This one is truly a diamond in the rough! Nestled just outside the city limits on 1.47 unrestricted acres and overlooking the beautiful 3.7-acre Lake Halstead, this well-maintained property offers the perfect blend of privacy, peaceful surroundings, and endless potential. Your own private sanctuary awaits right in the backyard, complete with scenic water views, a flowing creek, and a natural waterfall. Lovingly cared for by only two owners, this cherished family home reflects years of pride in ownership and thoughtful maintenance. Inside, you'll find a spacious and inviting layout featuring 3 bedrooms and 2 full baths, a welcoming living room with natural hardwood floors, a stunning stone fireplace with gas logs, and a separate den offering additional living space for family gatherings, hobbies, or relaxation. The functional kitchen is designed for everyday comfort and entertaining, complete with white cabinetry, built-in oven and cooktop, island workspace, built-in desk, dining area, and a new dishwasher. The oversized primary suite--originally two rooms combined into one expansive retreat--offers generous space along with an en-suite bath featuring a soaking tub with tile surround, step-in shower, and double vanity. A secondary bedroom and bath are situated privately on the opposite end of the home with direct patio access, making it ideal for guests, teens, or multi-generational living. Step outside and enjoy year-round outdoor living from the covered deck and patio area, already plumbed with natural gas for grilling and ready for your dream outdoor kitchen. The detached 24x24 garage/workshop is in excellent condition and provides endless possibilities for hobbies, storage, or workspace. Additional features include extra gardening storage and a sealed crawl space with dehumidifier. Nature lovers and outdoor enthusiasts will fall in love with the incredible backyard setting. Fish for bass right from your own property, launch a canoe onto the lake, or explore the creek and waterfall that add to the property's peaceful charm. The property also includes an additional lot with a separate drive, previously perked for a 2-bedroom/1-bath home, offering potential for a second residence, RV parking, or additional space. With no restrictions, scenic surroundings, and a prime location close to downtown Crossville, medical facilities, hospital, shopping, restaurants, I-40, and nearby state parks, this rare property offers the best of both convenience and country living. Buyer to verify all measurements and information, before making an informed offer. (See floorplan the end of listing photos). Schedule today to look inside, this one won't last long!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 1962

Materials

  • Construction materials: Stone,Vinyl Siding,Block,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Kitchen Island,Eat-in Kitchen,Bonus Room
  • Window features: Insulated Windows,Drapes
  • Flooring: Laminate,Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Stone,Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,176
  • Total interior livable area: 2,176 sqft

Property

Details

  • Parcel number: 126A C 00100 000

Features

  • Exterior features: Gas Grill
  • Has view: Yes
  • View description: Country Setting
  • Has water view: Yes
  • On waterfront: Yes
  • Waterfront features: Lake/Water Access
  • Frontage type: Lakefront

Lot

  • Lot size: 1.47 Acres
  • Features: Other,Private,Level
  • Lot size dimensions: 300 x 214 IRR

Parking

  • Total spaces: 4
  • Parking features: Off Street,Attached,Detached,RV Access/Parking,Main Level
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

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 $1,946$23,352
Home Insurance $238$2,856
Property Taxes $360$4,320
Electricity $176$2,121
Total$2,720$32,640

Income You'd Need if You Spent...

35% on housing$93,257/yr
40% on housing$81,600/yr
45% on housing$72,533/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

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 38555$183
Cumberland County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 38555$187
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
2026-05-11Listed for sale$385,000

For Sale by Agent

AgentKim Smith
BrokerageHighlands Elite Real Estate

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