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645 Spike Trl, Murfreesboro, TN, 37129

3beds
3baths
2,460sqft
$495,000
$201price/sqft
$3,670/moest. monthly cost
$146,800/yrincome needed

About This Home

Welcome home to this exceptional property offering the perfect combination of space, comfort, and location! Featuring 3 bedrooms, 3 full bathrooms, and 2,460 square feet, this home sits on the largest lot in the neighborhood—an impressive 0.78-acre level lot with a fully fenced in backyard, providing endless possibilities for entertaining, pets, play, or storing all your outdoor toys. Best of all, there's no HOA! Inside, you'll love the real hardwood floors, spacious layout, and a large main-level primary suite for added convenience. The kitchen is equipped with stainless steel appliances and opens to the living spaces, making it perfect for everyday living and entertaining. Relax year-round in the large enclosed sunroom, offering additional living space filled with natural light. Upstairs, you'll find a huge bonus room with a closet that could easily serve as a 4th bedroom, home office, or media room, with direct access to the third full bathroom. Need extra storage? The expansive storage area above the garage provides plenty of room for seasonal items and more. Major updates have already been completed for peace of mind, including new HVAC systems (2021 & 2024), a new water heater, and a new roof in 2024. Located in the highly sought-after Blackman School District, this home offers the rare combination of a large lot, no HOA, modern updates, and a flexible floor plan. This is a wonderful opportunity you won't want to miss—schedule your private showing today!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

7/10
8/10
Blackman Middle SchoolGrades 6-80.9 mi
8/10
Blackman High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1984

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Dishwasher,Dryer,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Wood,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 2,460

Heating & Cooling

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

Interior Area

  • Total structure area: 2,460
  • Total interior livable area: 2,460 sqft

Property

Details

  • Parcel number: 092B D 04100 R0057298
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 2
  • Fencing: Back Yard

Lot

  • Lot size: 0.78 Acres

Parking

  • Total spaces: 5
  • Parking features: Attached,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Earthquake
Inland Flooding
Lightning
Strong Wind

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 $2,502$30,024
Home Insurance $209$2,508
Property Taxes $760$9,120
Electricity $199$2,398
Total$3,670$44,040

Income You'd Need if You Spent...

35% on housing$125,828/yr
40% on housing$110,100/yr
45% on housing$97,866/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 37129$227
Rutherford County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 37129$220
Rutherford County$219

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
2026-06-30Listed for sale$495,000
1995-12-01Sold$89,000

For Sale by Agent

AgentJames Bruce
BrokerageMark Spain Real Estate

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