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902 Twin Cove Cir, Lenoir City, TN, 37772

6beds
7baths
7,506sqft
$4,100,000
$546price/sqft
$28,631/moest. monthly cost
$1,145,240/yrincome needed

About This Home

Twin Coves Estate on Fort Loudon Lake -- Waterfront Property in East Tennessee Twin Coves Estate offers convenient access to major transportation routes and regional amenities. The location is within a day's drive of numerous major metropolitan areas and approximately 15 minutes from West Knoxville and 30 minutes from the University of Tennessee. Nearby options include Fort Loudon Marina, Calhoun's on the water, parks, trails, shopping, and dining. **Property Overview** Situated on approximately 3 acres with more than 349 feet of shoreline, this estate features timeless architectural elements, modern updates, and a functional layout designed for a variety of living arrangements. The property is offered fully furnished, including dinnerware, linens, and outdoor furniture (excluding select rugs, personal items, and artwork). **Grounds & Outdoor Features** • Saltwater lakefront pool with auto-fill • Grilling terrace and multiple outdoor living areas • Covered dock with dual power lifts and sun deck • Dual lake-water irrigation systems and landscape lighting • Recent improvements include new decking, roof, riprap shoreline, resurfaced driveway, and fresh interior/exterior paint **Interior Features** The two-story foyer opens to the great room and includes: • Great Room: Cathedral ceiling, exposed beams, floor-to-ceiling windows, and wood-burning fireplace • Formal Dining Room: Built-in corner China cabinets, hardwood flooring, and detailed millwork • Screened Porch: Tile flooring, tongue-and-groove ceiling, and direct access to the kitchen and pool deck • Kitchen: 9-ft island with prep sink, granite countertops, GE double oven, Jenn-Air grill, walk-in pantry, and brick alcove • Home Office: Fireplace with marble surround and built-in cabinetry **Private Quarters & Additional Spaces** • Primary Suite: Sitting area with fireplace, private balcony with lake views, oversized tile shower, dual vanities, dressing area, and custom walk-in closet • Additional Bedrooms: Generous walk-in closets; updated carpeting in basement-level rooms • Lower Level: Daylight walk-out, covered porch, multiple storage rooms, and a large laundry with utility sink • Systems: Three water heaters (including one dedicated to the pool), two HVAC systems, and extensive storage throughout **Lifestyle Flexibility** The layout and acreage support a variety of uses, including full-time residence, second home, or multi-generational living. **Additional Opportunity** A secondary buildable lot totaling approximately 2.49 acres is available for purchase, offering options for an additional residence, added privacy, or future development.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
7/10
North Middle SchoolGrades 5-85.8 mi
6/10
Loudon High SchoolGrades 9-128.5 mi

Construction

Condition

  • Year built: 1974

Materials

  • Construction materials: Wood Siding,Brick,Block,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Trash Compactor,Washer

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 5
  • 1/2 bathrooms: 2

Features

  • Walk-In Closet(s),Cathedral Ceiling(s),Kitchen Island,Dry Bar,Pantry,Wet Bar,Eat-in Kitchen
  • Window features: Wood Frames,Insulated Windows,Aluminum Frames
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 4
  • Fireplace features: Brick,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 7,506
  • Total interior livable area: 7,506 sqft

Property

Details

  • Parcel number: 027 045.00

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Gas Grill,Irrigation System,Prof Landscaped,Balcony,Dock
  • Has view: Yes
  • View description: Country Setting,Trees/Woods
  • Has water view: Yes
  • On waterfront: Yes
  • Waterfront features: Lake/Water Access,River,Waterfront
  • Frontage type: Lakefront

Lot

  • Lot size: 3 Acres
  • Features: Private,Wooded,Irregular Lot,Level,Rolling Slope
  • Lot size dimensions: 156 x 689 x IRR

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Garage Door Opener,Main Level
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Earthquake
Inland Flooding
Lightning
Tornado
Winter Weather

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 $20,731$248,772
Home Insurance $1,252$15,024
Property Taxes $6,039$72,468
Electricity $609$7,318
Total$28,631$343,572

Income You'd Need if You Spent...

35% on housing$981,634/yr
40% on housing$858,930/yr
45% on housing$763,493/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$546This listing

vs Other Active Listings

Avg $/sqft

ZIP 37772$298
Loudon County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 37772$240
Loudon County$227

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
2025-11-26Listed for sale$4,100,000
2023-10-17Listing removed--
2023-05-12Listed for sale$5,395,000
2006-01-13Sold$1,575,000

For Sale by Agent

AgentDebby Hill
BrokerageBHHS Dean-Smith Realty

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