515 Garland Dr, Covington, TN, 38019
About This Home
5-acre lot in a very rural setting with no HOA. Haley floor plan with farmhouse elevation. Exterior selections are represented in rendering. Interior photos are from another home and do not reflect the selections in this home. Home is currently under construction. Features include 4 bedrooms, 3 baths, large bonus room, spacious kitchen with island, granite countertops, and a ventless gas fireplace. Approximately 4 wooded acres provide privacy and room to enjoy the outdoors. Buyer may choose ONE of the following incentives: a $20,000 Builder Incentive that can be used toward rate buy-down, closing costs, fencing, and more, or a permanent 30-year fixed interest rate of 4.99%. The 4.99% interest rate is available on Conventional, VA, FHA, and USDA loans. Incentives require use of Builder’s preferred lender and closing attorney. Military Incentive available for active duty, retired, veterans, and Gold Star families includes whole house blinds.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Roof: Composition Shingles
- Construction materials: Brick Veneer,Aluminum/Steel Siding,Vinyl Siding
Other
- Builder name: D&D Homes
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Vent Hood/Exhaust Fan,Range/Oven,Self Cleaning Oven,Cooktop,Gas Cooktop,Disposal,Dishwasher,Microwave
- Laundry features: Laundry Room
Basement
- Basement: Crawl Space
Bedroom2
- Features: Walk-In Closet(s),Shared Bath,Smooth Ceiling,Carpet
- Level: First
- Area: 132
Bedroom3
- Features: Shared Bath,Smooth Ceiling,Carpet
- Level: Second
- Area: 140
Bedroom4
- Features: Walk-In Closet(s),Shared Bath,Smooth Ceiling,Carpet
- Level: Second
- Area: 108
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Bonus Room
- Area: 352
Den
- Area: 221
Features
- 1 or More BR Down,Primary Down,Vaulted/Coffered Primary,Split Bedroom Plan,Luxury Primary Bath,Double Vanity Bath,Separate Tub & Shower,Full Bath Down,Smooth Ceiling,High Ceilings,Vaulted/Coff/Tray Ceiling,Walk-In Closet(s),Den/Great Room,Kitchen,Primary Bedroom,2nd Bedroom,2 or More Baths,Laundry Room,Breakfast Room,Office,3rd Bedroom,4th or More Bedrooms,1 Bath,Bonus Room,Square Feet Source: Floor Plans (Builder/Architecture)
- Window features: Double Pane Windows
- Flooring: Wood Laminate Floors,Part Carpet,Tile
- Number of fireplaces: 1
- Fireplace features: Masonry,Ventless,In Den/Great Room
- Fireplace: Yes
- Attic: Attic Access,Walk-In
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total interior livable area: 2,703 sqft
Kitchen
- Features: Eat-in Kitchen,Breakfast Bar,Separate Breakfast Room,Pantry,Kitchen Island,Washer/Dryer Connections
- Area: 280
Living Room
- Features: Great Room
Master Bathroom
- Features: Double Vanity,Separate Shower,Smooth Ceiling,Tile Floor,Full Bath
Master Bedroom
- Features: Walk-In Closet(s),Smooth Ceiling,Carpet
- Level: First
- Area: 198
Office
- Features: Shared Bath,Smooth Ceiling
- Level: First
- Area: 72
Property
Features
- Levels: Multi/Split
- Stories: 2
- Pool features: None
- Patio & porch: Porch,Covered Patio
Lot
- Lot size: 5.33 Acres
- Features: Wooded,Landscaped,Wooded Grounds
- Lot size dimensions: 232073
Parking
- Total spaces: 3
- Parking features: Driveway/Pad,Garage Door Opener,Garage Faces Front
- Has garage: Yes
- Covered spaces: 3
- Has uncovered spaces: Yes
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
- Earthquake
- Ice Storm
- Tornado
- Heat Wave
- Lightning
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 | $2,907 | $34,884 |
| Home Insurance | $430 | $5,160 |
| Property Taxes | $268 | $3,216 |
| Electricity | $219 | $2,635 |
| Total | $3,824 | $45,888 |
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 |
|---|---|---|
| 2026-04-16 | Listed for sale | $574,900 |
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