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1305 Dripping Springs Rd, Winchester, TN, 37398

5beds
5baths
4,497sqft
$1,479,000
$329price/sqft
$10,995/moest. monthly cost
$439,800/yrincome needed

About This Home

Experience lakefront living at its finest at 1305 Dripping Springs Rd on beautiful Tims Ford Reservoir! This spacious all-brick split-level home offers approximately 4,500 sq. ft. with 5 bedrooms and 4.5 baths, perfectly situated on a prime waterfront lot with very level and easy access to a private 2-slip covered floating boat dock. Mature shade trees and breathtaking water views create a peaceful setting ideal for both full-time living and weekend retreat enjoyment. The main level features 3 bedrooms, 2 baths, a welcoming living room, formal dining area, breakfast nook, and an updated kitchen complete with beautiful custom cabinetry and quartz countertops. A large sunroom spans the lakeside of the home and provides incredible panoramic views of the lake year-round. The fully functional basement level offers excellent space for guests or multi-generational living with 2 additional bedrooms, 2 full baths, kitchenette, rec room, office, and utility room. Outside, the property is loaded with amenities including a 1-car attached garage, 3-car detached garage, separate storage garage/woodworking shop, and a 20’x24’ carport ideal for boat or equipment storage. Expansive porches and patios, power awnings for added shade, landscape irrigation, and access to a community boat ramp and pickleball court make this property the total package for lake living and entertaining. Rare opportunity to own a move-in ready waterfront property with exceptional improvements, easy water access, and outstanding views on Tims Ford Lake!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

7/10
4/10
North Middle SchoolGrades 6-83.0 mi
4/10
Franklin Co High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Metal
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Range,Dishwasher,Microwave

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom1

  • Features: Full Bath
  • Level: Full Bath
  • Area: 176
  • Dimensions: 11x16

Bedroom2

  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Area: 120
  • Dimensions: 10x12

Bedroom4

  • Area: 336
  • Dimensions: 14x24

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Area: 312
  • Dimensions: 13x24

Features

  • Entrance Foyer
  • Flooring: Carpet,Wood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 2,056
  • Finished area above ground: 2,441

Heating & Cooling

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

Interior Area

  • Total structure area: 4,497
  • Total interior livable area: 4,497 sqft

Kitchen

  • Area: 132
  • Dimensions: 11x12

Living Room

  • Area: 345
  • Dimensions: 15x23

Other

  • Features: Florida Room
  • Level: Florida Room
  • Area: 432
  • Dimensions: 18x24

Other

  • Features: Bedroom 5
  • Level: Bedroom 5
  • Area: 143
  • Dimensions: 11x13

Recreation Room

  • Features: Basement Level
  • Level: Basement Level
  • Area: 325
  • Dimensions: 13x25

Property

Details

  • Parcel number: 064D A 02100 000
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Dock
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Year Round Access
  • Topography of land: Level

Lot

  • Lot size: 0.47 Acres
  • Features: Level
  • Lot size dimensions: 178 x 158M IRR

Parking

  • Total spaces: 5
  • Parking features: Attached/Detached,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 5
  • Carport: Yes
  • Carport spaces: 1

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Earthquake
Inland Flooding
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 $7,478$89,736
Home Insurance $724$8,688
Property Taxes $2,428$29,136
Electricity $365$4,384
Total$10,995$131,940

Income You'd Need if You Spent...

35% on housing$376,971/yr
40% on housing$329,850/yr
45% on housing$293,200/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

$329This listing

vs Other Active Listings

Avg $/sqft

ZIP 37398$211
Franklin County$203

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
2026-05-08Listed for sale$1,479,000
1997-12-22Sold$185,000
1996-06-14Sold$175,000

For Sale by Agent

AgentThomas Ore
BrokerageWinton Auction & Realty Co.

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