See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

311 Alberts Cv, Rutledge, TN, 37861

4beds
4baths
5,418sqft
$1,100,000
$203price/sqft
$8,771/moest. monthly cost
$350,840/yrincome needed

About This Home

If you have ever pictured waking up to open water every single morning, this is the home you have been looking for. Sitting on 3.1 acres with over 500 feet of shale shoreline on the main channel of Cherokee Lake, this all-brick, 4-bedroom home in Rutledge, Tennessee gives you 270-degree lake views from nearly every room, with the Smoky Mountains rising behind the water in the distance. The drone photos tell part of the story. The walls of windows across the back of the house tell the rest. In this home, the lake is part of daily life, not just a weekend destination. You can be on the water in minutes with your covered boat dock right on property. You can sit on the upper deck with your morning coffee and watch the sun move across the water. That same deck is where dinner with guests becomes something people talk about. At night, the hot tub is right there when you want it. This is not a lake-adjacent property with a sliver of a view. This is the real thing, completely private, with open water stretching out in every direction. Inside, the main level living room features soaring ceilings, a gas fireplace, and a wall of windows framing Cherokee Lake and the Smoky Mountains like a living painting. The remodeled kitchen has granite countertops, a center island, and is plumbed for gas. The primary suite includes a private sunroom with direct lake views, and one of the guest rooms opens directly to the main deck overlooking the water. The completely remodeled primary bath features a tiled walk-in shower, double granite vanity, and finishes that feel intentional, not builder-grade. Plenty of storage throughout the home means everything has a place. What sets this home apart from most Cherokee Lake properties is the lower level. A kitchenette, a bedroom, and a full bath make it fully functional for guests or multi-generational living. Beyond that, the lower level opens into a large video room and a separate game room with enough space for a pool table. Two additional garage bays give you four total across the property. And the indoor lap pool, housed in its own sunroom, is 35 feet long and 4.5 feet deep, with a liner replaced two years ago. Year-round swimming is completely realistic. With over 500 feet of Cherokee Lake shoreline, a covered dock on the main channel, 270-degree views that include the Smoky Mountains, multi-level entertaining space, and the privacy of 3.1 wooded acres, there is genuinely nothing else like this available on Cherokee Lake right now.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Rutledge Primary SchoolGrades PK-16.6 mi
5/10
Rutledge Middle SchoolGrades 7-86.7 mi
--
Grainger AcademyGrades 9-126.6 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2001

Materials

  • Foundation: Block,Brick/Mortar
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Daylight,Finished,Full,Interior Entry,Walk-Out Access,Walk-Up Access

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Cathedral Ceiling(s),Ceiling Fan(s),Crown Molding,Double Vanity,Entrance Foyer,Granite Counters,High Speed Internet,Kitchen Island,Pantry,Recessed Lighting,Storage,Walk-In Closet(s)
  • Window features: Insulated Windows,Tilt Windows,Vinyl Frames
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 2,048
  • Finished area above ground: 3,370

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 8,351
  • Total interior livable area: 5,418 sqft

Property

Details

  • Parcel number: 083P A 00900 000

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Gas Heat,Heated,Indoor,Lap
  • Patio & porch: Awning(s),Deck,Front Porch,Rear Porch
  • Exterior features: Awning(s),Dock,Rain Gutters
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Mountain(s),Panoramic,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Lake,Lake Front,Lake Privileges,Waterfront
  • Waterbody name: Cherokee Lake

Lot

  • Lot size: 3.10 Acres
  • Features: Back Yard,Front Yard,Irregular Lot,Rolling Slope,Views,Waterfront,Wooded
  • Lot size dimensions: 160 x 339

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Tornado
Winter Weather

FEMA Declared Disasters Across Tennessee Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $5,562$66,744
Home Insurance $613$7,356
Property Taxes $2,156$25,872
Electricity $440$5,282
Total$8,771$105,252

Income You'd Need if You Spent...

35% on housing$300,720/yr
40% on housing$263,130/yr
45% on housing$233,893/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 37861$191
Grainger County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 37861$179
Grainger County$180

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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$1,100,000
2026-06-26Price change$1,100,000
2026-05-15Listed for sale$1,250,000
2016-02-24Sold$567,000
2016-01-26Pending sale$579,900
2015-08-03Listed for sale$579,900
2014-09-02Listing removed$624,900
2013-10-09Listed for sale$624,900
1995-02-13Sold$65,000
AgentAmy Shrader
BrokerageRe/Max Real Estate Ten

Similar Homes