1210 Spruce Dr, Spring City, TN, 37381
About This Home
REDUCED! Motivated Sellers. LAKEVIEW COTTAGE ON WATTS BAR LAKE! Enjoy jaw-dropping views of Watts Bar Lake and the Cumberland Plateau from this charming 1-bedroom, 1-bath home in Spring City. Situated on over 2.6 acres and bordered by nature on three sides, the property offers privacy, tranquility, and unforgettable sunsets. The sunroom provides the perfect spot for morning coffee, wildlife watching, or relaxing while taking in the lake views. New 10x16 deck built July 2026. This move-in ready. home has TVA lake access nearby, with the popular Rhea Springs Recreation Area and free boat ramp less than 2 miles away for boating, fishing, swimming, and lakeside enjoyment. By water, you'll find five marinas within approximately a 15-minute boat ride, providing convenient access to fuel, dining, entertainment, and boating services. Most furnishings remain so enjoy turnkey summer fun! Whether you're seeking a weekend retreat, AirBnB/VRBO vacation rental opportunity, or full-time residence, this property offers a peaceful East Tennessee lifestyle with the best of Watts Bar Lake right at your doorstep.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2024
Materials
- Roof: Shingle
- Construction materials: Fiber Cement
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Residential
Interior
Appliances
- Appliances included: Electric Range,Refrigerator
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- High Speed Internet
- Flooring: Laminate,Tile
Heating & Cooling
- Heating features: Propane
- Cooling features: Other
Interior Area
- Total structure area: 864
- Total interior livable area: 864 sqft
Property
Details
- Parcel number: 038F A 00300 000
- Special condition: Standard
Features
- Levels: Three Or More
- Stories: 2
- Patio & porch: Porch,Screened
- Has view: Yes
- View description: Lake,Mountain(s)
- Has water view: Yes
- Water view: Lake
- Topography of land: Sloped,Wooded
Lot
- Lot size: 2.60 Acres
- Features: Sloped,Wooded
- Lot size dimensions: 300 x 440
Parking
- Parking features: Gravel
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Earthquake
- Hail
- Landslide
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 | $1,511 | $18,132 |
| Home Insurance | $124 | $1,488 |
| Property Taxes | $129 | $1,548 |
| Electricity | $175 | $2,103 |
| Total | $1,939 | $23,268 |
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 |
|---|---|---|
| 2026-08-11 | Price change | $285,000 |
| 2026-08-02 | Price change | $299,000 |
| 2026-07-17 | Price change | $319,000 |
| 2026-06-23 | Listed for sale | $329,000 |
View on Zillow