246 Howell Dr, Spring City, TN, 37381
About This Home
Watts Bar Lake - Year-Round Waterfront Living! Affordable Vacation waterfront home with stunning lake views and direct access to beautiful Watts Bar Lake! This charming home offers the perfect blend of comfort, convenience, and lakefront relaxation. The main level features a spacious living area with a cozy gas log fireplace, beautiful hardwood floors, a laundry room/pantry complete with washer and dryer, and a well-equipped kitchen with stainless steel appliances. A formal dining room and convenient half bath complete the main floor. Upstairs, you'll find three rooms currently used as bedrooms along with a full bath, providing plenty of space for family and guests. Start your mornings with coffee on the covered back porch just steps from the water while enjoying peaceful lake views year-round. Outside, the property also includes a carport with additional storage for lawn equipment and water toys. Located just minutes from several marinas and lakefront resorts, you can enjoy dining by boat, nearby public boat launches, and excellent fishing opportunities. Don't miss this opportunity to own an affordable waterfront getaway on Watts Bar Lake -- schedule your showing today before it's gone! The septic is approved for 2 BR, the family has used this as a 3 BR. There is not a dock on the property, but it is in a dockable area!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1993
Materials
- Foundation: Block,Permanent
- Roof: Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
- Laundry features: Laundry Room,Main Level
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Tub/shower Combo,Separate Dining Room
- Window features: Insulated Windows,Window Coverings
- Flooring: Carpet,Hardwood,Vinyl
- Number of fireplaces: 1
- Fireplace features: Propane
- Fireplace: Yes
- Finished area above ground: 1,560
Heating & Cooling
- Heating features: Central,Ceiling,Electric
- Cooling features: Central Air,Ceiling Fan(s),Electric
Interior Area
- Total structure area: 1,560
- Total interior livable area: 1,560 sqft
Property
Details
- Parcel number: 019j B 01500 000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Covered,Deck,Front Porch,Rear Porch
- Exterior features: Rain Gutters,Storage
- Has view: Yes
- View description: Lake,River,Water
- Has water view: Yes
- Water view: Lake,River,Water
- On waterfront: Yes
- Waterfront features: Lake,Lake Front,Navigable Water
Lot
- Lot size: 6,534 sqft
- Features: Cleared,Cul-De-Sac,Lake on Lot,Level,Views,Waterfront
- Lot size dimensions: 50 x 130 IRR
Parking
- Total spaces: 1
- Parking features: Driveway
- Covered spaces: 1
- 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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Earthquake
- Hail
- Landslide
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 | $2,374 | $28,488 |
| Home Insurance | $195 | $2,340 |
| Property Taxes | $517 | $6,204 |
| Electricity | $175 | $2,103 |
| Total | $3,261 | $39,132 |
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 |
|---|---|---|
| 2026-08-13 | Price change | $449,500 |
| 2026-06-29 | Price change | $469,500 |
| 2026-06-07 | Listed for sale | $499,000 |
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