1438 Phifer Mine Rd #1420-B-43, Spencer, TN, 38585
About This Home
Attention Investors!! Tucked away on a quiet wooded lot, there are two cottages the perfect getway!!! Both cabins are located on a private property and its approximately 15 min drive to the Fall Creek Falls State Park. 25-30 min away from Rock Island, Twin falls and Burgess Falls. Spend your day hiking nearby trails and your evenings lounging on the private deck or by the fire pit. Both cabins are features in the photos, with an RV available at additional cost. Both cabins are on the same lot with an additional Rv Hook up. RV is available for an additional cost- please contactthe listing agent for more information). The rates are established on highly rated Airbnb account and bookings. Seller Airbnb Super Host Account and Clientele shall convey with Purchase.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Other
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Mixed Use
Interior
Bathroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Cooling
- Cooling features: Central Air,Ceiling Fan(s),Electric
Dining Room
- Level: First
Features
- Finished area above ground: 780
Interior Area
- Total structure area: 780
- Total interior livable area: 780 sqft
Kitchen
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 054 025.00
Features
- Exterior features: Outdoor Grill,RV Hookup,Smart Camera(s)/Recording
Lot
- Lot size: 10.41 Acres
- Lot size dimensions: 10.41 acres
Parking
- Total spaces: 2
- Parking features: Gravel,Off Street,Parking Lot
- Covered spaces: 2
- Carport: Yes
- Carport 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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
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 | $3,539 | $42,468 |
| Home Insurance | $558 | $6,696 |
| Property Taxes | $256 | $3,072 |
| Electricity | $175 | $2,103 |
| Total | $4,528 | $54,336 |
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 |
|---|---|---|
| 2026-06-19 | Price change | $699,900 |
| 2026-05-19 | Listed for sale | $750,000 |
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