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650 Jefferson Rd Lot 8, Smithville, TN, 37166

3beds
3baths
2,125sqft
$459,900
$216price/sqft
$2,901/moest. monthly cost
$116,040/yrincome needed

About This Home

Country living only 4.5 miles from lake life at Pates Ford Marina. Charming new construction home situated on 1.07ac. Featuring 3 bedrooms, 2.5 baths, covered front porch. Kitchen w/granite tops and custom cabinets, pantry, eating area w/patio doors leading to deck. Bonus room upstairs could be used as 4th bedroom. 2 car garage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

--
5/10
Dekalb Middle SchoolGrades 6-87.6 mi
6/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom1

  • Features: Full Bath
  • Level: Full Bath
  • Area: 196
  • Dimensions: 14x14

Bedroom2

  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Area: 143
  • Dimensions: 11x13

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Extra Closets,Pantry,Kitchen Island
  • Flooring: Carpet
  • Finished area above ground: 2,125

Heating & Cooling

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

Interior Area

  • Total structure area: 2,125
  • Total interior livable area: 2,125 sqft

Kitchen

  • Area: 220
  • Dimensions: 11x20

Living Room

  • Features: Great Room
  • Level: Great Room
  • Area: 289
  • Dimensions: 17x17

Master Bathroom

  • Features: Suite
  • Level: Suite

Recreation Room

  • Features: Other
  • Level: Other
  • Area: 150
  • Dimensions: 10x15

Property

Details

  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch,Covered,Deck

Lot

  • Lot size: 1.07 Acres

Parking

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather
Drought
Hail
Inland Flooding

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 $2,325$27,900
Home Insurance $271$3,252
Property Taxes $130$1,560
Electricity $175$2,103
Total$2,901$34,812

Income You'd Need if You Spent...

35% on housing$99,462/yr
40% on housing$87,030/yr
45% on housing$77,360/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 7.0%
7.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 37166$183
DeKalb County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 37166
DeKalb 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)

Price History

DateEventPrice
2026-03-18Listed for sale$459,900

New Construction

AgentMelissa Burnett
BrokerageMaples Realty & Auction Co.

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