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446 Highway 309, Niota, TN, 37826

6beds
4baths
6,178sqft
$2,300,000
$372price/sqft
$14,202/moest. monthly cost
$568,080/yrincome needed

About This Home

Discover an exceptional East Tennessee farm and homestead opportunity in Niota, Tennessee, offering 45.21A± acres of rolling pasture, hardwoods, livestock infrastructure, and two beautifully appointed Craftsman-style homes. With approximately 23A± acres of fenced and cross-fenced pasture, a stocked pond, an established trail system, and a private gated entrance, this property is ideally suited for multi-generational living, farming, equestrian use, recreation, or income-producing potential.Both west-facing homes capture breathtaking mountain views and spectacular sunset vistas from their inviting front porches. Each residence offers 3 bedrooms and 2.5 bathrooms, city water, electric, cable, propane, and internet service, along with attractive stone accents and custom A-frame wood rafters that showcase timeless Craftsman design.The primary residence offers approximately 3,637 square feet and features two bedrooms and two full bathrooms on the main level, along with a fully finished basement with an additional bedroom, a half bath, extra storage, a gun room, and access to the attached one-car garage/workshop. The home also includes a wraparound porch, a covered two-car carport, and a stunning double-sided stone fireplace shared between the living room and kitchen. Additional highlights include stainless steel appliances, custom wood cabinetry, bar seating, a spacious primary suite with a walk-in shower and a large walk-in closet, pine-accented ceilings, a laundry room with a utility sink, and quality craftsmanship throughout.The second residence offers approximately 2,541 square feet of finished living space plus a 1,010-square-foot unfinished basement with heating and cooling and exterior access. Designed with an open-concept layout, the home features vaulted ceilings, hardwood flooring throughout, built-in cabinetry, a beautiful stone fireplace, stainless steel appliances, bar seating, a walk-in pantry, pine-accented ceilings, and a spacious primary suite with a walk-in shower and a walk-in closet. Outdoor amenities include a fenced-in, in-ground swimming pool with convenient access to a nearby half bath and a covered two-car carport.The farm is fully equipped for livestock and equestrian operations and currently supports cows, horses, a mule, and chickens. A 60' x 36' barn includes four stalls with water service to each stall, a tack room, an RV hookup with a septic system, and a holding pen. The stocked pond contains bass, bluegill, and catfish, providing additional recreational enjoyment.Tucked away in a private, secluded setting, this remarkable property features a long concrete driveway and gated entrance and offers the perfect balance of peaceful country living and convenience, with easy access to Sweetwater, Athens, and Interstate 75. Whether you're seeking a family compound, working farm, horse property, homestead, recreational retreat, or investment opportunity, this versatile McMinn County property delivers an unmatched combination of beauty, functionality, and potential.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

4/10
Niota Elementary SchoolGrades PK-81.5 mi
5/10
McMinn County High SchoolGrades 9-128.1 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4

Interior Area

  • Total structure area: 6,178
  • Total interior livable area: 6,178 sqft

Property

Features

  • Fencing: Fenced

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $11,630$139,560
Home Insurance $1,458$17,496
Property Taxes $613$7,356
Electricity $501$6,023
Total$14,202$170,424

Income You'd Need if You Spent...

35% on housing$486,925/yr
40% on housing$426,060/yr
45% on housing$378,720/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$372This listing

vs Other Active Listings

Avg $/sqft

ZIP 37826$147
McMinn County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 37826$167
McMinn County$170

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
2026-06-10Listed for sale$2,300,000

For Sale by Agent

AgentJordan Couch
BrokerageWhitetail Properties

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