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645 Wildwood Trce, Winchester, TN, 37398

2beds
3baths
2,460sqft
$1,175,000
$478price/sqft
$8,644/moest. monthly cost
$345,760/yrincome needed

About This Home

Gorgeous 5 bedroom, 3 bath lakefront living at its best on Tims Ford Lake! Just in time for lake season! Experience the ultimate waterfront lifestyle in this stunning home perfectly situated in the highly sought-after Caney Hollow. With direct lake access from your backyard and your own covered boat slip featuring both a boat lift and jet ski lift with an adjacent floating dock, this property is fully equipped and ready for long days on the water. Wake up to breathtaking lake views from the spacious primary suite with private outdoor access—perfect for morning coffee overlooking the water. Designed for both relaxation and entertaining, the home features two fireplaces, including a stunning stacked-stone fireplace on the expansive covered back porch. Multiple access points create seamless indoor-outdoor living and effortless enjoyment of the views. The finished walk-out basement adds even more living space with a full bedroom, spacious bonus area, and large utility room—ideal for guests, a game room, or multi-generational living. A spacious garage provides plenty of room for your boat and lake toys, while newly added parking offers added convenience for guests. A gently sloped stone pathway with 30 steps lead directly to your private dock & boat house, making every lake day easy and accessible. Located just minutes from marinas, dining, and Tims Ford State Park, this home offers the perfect blend of comfort, convenience, and one of Tennessee’s most sought-after lake lifestyles. All SS appliances, including the washer and dryer, remain. Bathrooms have been updated and home freshly painted! Home warranty provided!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
4/10
North Middle SchoolGrades 6-87.6 mi
4/10
Franklin Co High SchoolGrades 9-128.3 mi

Construction

Condition

  • Year built: 1992

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Dryer,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom1

  • Features: Suite
  • Level: Suite
  • Area: 221
  • Dimensions: 17x13

Bedroom2

  • Features: Bath
  • Level: Bath
  • Area: 256
  • Dimensions: 16x16

Bedroom3

  • Features: Walk-In Closet(s)
  • Level: Walk-In Closet(s)
  • Area: 130
  • Dimensions: 13x10

Bedroom4

  • Features: Extra Large Closet
  • Level: Extra Large Closet
  • Area: 130
  • Dimensions: 13x10

Bedrooms & Bathrooms

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

Den

  • Area: 128
  • Dimensions: 16x8

Dining Room

  • Features: Separate
  • Level: Separate
  • Area: 182
  • Dimensions: 14x13

Features

  • Ceiling Fan(s),Extra Closets,High Ceilings,Open Floorplan,Walk-In Closet(s),High Speed Internet
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 708
  • Finished area above ground: 1,752

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,460
  • Total interior livable area: 2,460 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Eat-in Kitchen
  • Area: 132
  • Dimensions: 12x11

Living Room

  • Features: Great Room
  • Level: Great Room
  • Area: 224
  • Dimensions: 16x14

Other

  • Features: Other
  • Level: Other

Other

  • Features: Bedroom 5
  • Level: Bedroom 5
  • Area: 256
  • Dimensions: 16x16

Other

  • Features: Office
  • Level: Office
  • Area: 144
  • Dimensions: 16x9

Recreation Room

  • Features: Basement Level
  • Level: Basement Level
  • Area: 330
  • Dimensions: 22x15

Property

Details

  • Parcel number: 052M A 00400 000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Covered
  • Exterior features: Boat Slip
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Topography of land: Views,Wooded

Lot

  • Lot size: 0.48 Acres
  • Features: Views,Wooded
  • Lot size dimensions: 86 x 252.9 IRR

Parking

  • Total spaces: 8
  • Parking features: Garage Door Opener,Attached,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather
Drought
Ice Storm
Lightning

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 $5,941$71,292
Home Insurance $575$6,900
Property Taxes $1,929$23,148
Electricity $199$2,398
Total$8,644$103,728

Income You'd Need if You Spent...

35% on housing$296,365/yr
40% on housing$259,320/yr
45% on housing$230,506/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$478This listing

vs Other Active Listings

Avg $/sqft

ZIP 37398$208
Franklin County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 37398$211
Franklin County$194

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
2026-07-30Listed for sale$1,175,000
2026-07-06Listing removed$1,200,000
2026-05-15Listed for sale$1,200,000
2026-05-08Contingent$1,275,000
2026-04-19Price change$1,275,000
2026-04-02Listed for sale$1,325,000
2025-09-30Sold$1,100,000
2025-08-21Pending sale$1,200,000
2025-08-18Listed for sale$1,200,000

For Sale by Agent

AgentGeorge W Weeks
BrokerageTeam George Weeks Real Estate, LLC

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