686 Bluff Dr, Winchester, TN, 37398
About This Home
Beautiful lakefront home located in the sought-after Hopkins Point subdivision with STUNNING WATER VIEWS! Don’t miss this rare opportunity to own a lakefront retreat with panoramic water views and direct access to the lake. This spacious 3-level home offers open living areas, a finished walkout basement, and plenty of room for entertaining family and guests. The lower level features a den/rec room with pool table included, making it the perfect game room or entertainment space. Step outside to enjoy a large deck, lower patio area, screened-in porch, and low-maintenance composite decking—ideal for relaxing and taking in the view. Down at the water, you’ll find a private dock with boat lift, touchless boat cover, and a large sundeck area for hanging out on the dock. A tram to the water (only 5 years old) provides easy access—no stairs needed. Additional highlights include a new roof. Whether you're looking for a full-time residence, vacation home, or investment property, this waterfront home checks all the boxes.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Oven,Cooktop,Trash Compactor,Dishwasher,Dryer,Microwave,Refrigerator,Washer
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedroom1
- Features: Suite
- Level: Suite
- Area: 247
- Dimensions: 13x19
Bedroom2
- Features: Extra Large Closet
- Level: Extra Large Closet
- Area: 304
- Dimensions: 16x19
Bedroom3
- Features: Extra Large Closet
- Level: Extra Large Closet
- Area: 247
- Dimensions: 13x19
Bedroom4
- Area: 168
- Dimensions: 12x14
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Features: Formal
- Level: Formal
- Area: 196
- Dimensions: 14x14
Features
- Ceiling Fan(s),Extra Closets,Walk-In Closet(s),Kitchen Island
- Flooring: Carpet,Wood,Tile
- Number of fireplaces: 1
- Fireplace features: Gas,Living Room
- Fireplace: Yes
- Finished area below ground: 1,556
- Finished area above ground: 3,112
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 4,668
- Total interior livable area: 4,668 sqft
Kitchen
- Area: 140
- Dimensions: 10x14
Living Room
- Area: 416
- Dimensions: 16x26
Master Bathroom
- Features: Double Vanity
- Level: Double Vanity
Other
- Features: Breakfast Room
- Level: Breakfast Room
- Area: 120
- Dimensions: 10x12
Other
- Features: Utility Room
- Level: Utility Room
- Area: 64
- Dimensions: 8x8
Recreation Room
- Features: Basement Level
- Level: Basement Level
- Area: 375
- Dimensions: 15x25
Property
Details
- Parcel number: 053H A 01000 000
- Special condition: Standard
Features
- Levels: Three Or More
- Stories: 2
- Patio & porch: Porch,Covered,Deck,Screened
- Exterior features: Dock
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 0.57 Acres
- Lot size dimensions: 100 x 233.96 IRR
Parking
- Total spaces: 2
- Parking features: Garage Faces Front
- Has garage: Yes
- Attached garage spaces: 2
- Covered 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
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Drought
- Ice Storm
- Lightning
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 | $6,573 | $78,876 |
| Home Insurance | $637 | $7,644 |
| Property Taxes | $2,134 | $25,608 |
| Electricity | $379 | $4,551 |
| Total | $9,723 | $116,676 |
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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $1,300,000 |
| 2002-05-31 | Sold | $375,000 |
| 1996-08-05 | Sold | $78,000 |
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