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228 Bill Hunter Rd, Celina, TN, 38551

6beds
2baths
2,380sqft
$329,000
$138price/sqft
$2,174/moest. monthly cost
$86,960/yrincome needed

About This Home

INVESTMENT POTIENTIAL FOR ANY INVESTOR FOR AIRB&B – VRBO RENTALS – TURNKEY 2380 sq ft rustic home with FULL FINISHED BASEMENT. (well maintained) 6BD/2BA, 1190 sq ft on mail level & basement level with separate entrance for each. Each unit has a full kitchen with a dining area, living room and covered patio & deck. TOTALLY FURNISHED. No restrictions, loads of wildlife, great country setting community, walking distance to Dale Hollow Lake from two marinas. PLUS: Approx 2 to 3 miles from Dale Hollow Dam, Cumberland River & Obey River. A paradise setting for a vacation home, getaway home or to live year around. Two families can live here. Ideal for the in-laws One family on the mail level and another in the basement level. Buyer to do own due diligence & pertinent information.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

3/10
Celina K-8Grades PK-83.4 mi
--
Clay Co Adult High SchoolGrades 9-123.2 mi
6/10
Clay County High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Metal
  • Construction materials: Wood Siding,Log Siding,Vinyl Siding,Frame,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Refrigerator,Electric Range,Microwave,Other,Electric Water Heater

Basement

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

Bedroom2

  • Level: Main
  • Area: 126.25

Bedroom3

  • Level: Main
  • Area: 86.45

Bedroom4

  • Level: Basement
  • Area: 93.73

Bedroom5

  • Level: Basement
  • Area: 87.4

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 92.15

Family Room

  • Level: Basement
  • Area: 530.2

Features

  • Ceiling Fan(s),Other
  • Window features: Double Pane Windows,Storm Window(s),Blinds,Other
  • Fireplace features: None

Heating & Cooling

  • Heating features: Electric,Central,Heat Pump,Other
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,380
  • Total interior livable area: 2,380 sqft

Kitchen

  • Level: Main
  • Area: 97.85

Living Room

  • Level: Main
  • Area: 212.48

Master Bedroom

  • Level: Main
  • Area: 126.25

Property

Details

  • Parcel number: 012.00
  • Zoning: Res

Features

  • Levels: Two
  • Patio & porch: Porch,Covered,Patio,Deck,Other
  • Exterior features: Lighting,Other
  • Has view: Yes
  • View description: No Water Frontage View Description
  • Water view: No Water Frontage View Description
  • Waterfront features: No Water Frontage View Description

Lot

  • Lot size: 0.57 Acres
  • Features: Wooded,Cleared,Views,Other
  • Lot size dimensions: 0.57ac

Parking

  • Parking features: Main Level,Open,Other

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Lightning
Winter Weather
Ice Storm

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 $1,663$19,956
Home Insurance $203$2,436
Property Taxes $115$1,380
Electricity $193$2,320
Total$2,174$26,088

Income You'd Need if You Spent...

35% on housing$74,537/yr
40% on housing$65,220/yr
45% on housing$57,973/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -11.3%
-11.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 38551$152
Clay County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 38551
Clay County$131

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
2026-04-21Listed for sale$329,000
2026-04-18Listing removed$329,000
2025-10-10Listed for sale$329,000

For Sale by Agent

AgentDebra Dodd
BrokerageNo. 1 Quality Realty-celina

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