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427 Generosity Way Lot 281, Smyrna, TN, 37167

5beds
3baths
2,205sqft
$476,000
$216price/sqft
$2,975/moest. monthly cost
$119,000/yrincome needed

About This Home

Lot 281 - NEW HOME - No model Home, Flooring installed - Seller will pay $14,000 for buyer closing fees, yes, you can use your own lender! Interior photos shown of previous built home. Subject home has white corian counters. Welcome to this spacious 5-bedroom, 2.5-bath home. The primary bedroom is conveniently located on the main floor, offering privacy and easy access. The primary bathroom offers separate vanities, a garden tub, and a separate shower complete with a glass door. Step into the great room with a vaulted ceiling and fan. Durable ceramic tile flooring enhances all wet areas, while the kitchen, great room, and primary bedroom feature low-maintenance laminate flooring. The kitchen features hand-crafted cabinets, corian countertops, a stylish backsplash, and a separate island ideal for meal prep or casual dining. Stainless steel appliances, including a smooth top stove, dishwasher, built in microwave and refrigerator, are included, making this kitchen ready for eating and entertainment. The outdoors includes a covered patio, perfect for morning coffee or evening visits. Constructed with durable James Hardie board and stone, this home combines lasting quality with great curb appeal. Room measurements are taken from plans. Please satisfy yourself with room measurements prior to agreement. See live walk through video of home under REALTRACS media section.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
7/10
Rocky Fork Middle SchoolGrades 6-80.2 mi
6/10
Smyrna High SchoolGrades 9-122.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Electric Oven,Cooktop

Basement

  • Basement: None

Bedroom1

  • Area: 196
  • Dimensions: 14x14

Bedroom2

  • Area: 100
  • Dimensions: 10x10

Bedroom3

  • Area: 144
  • Dimensions: 12x12

Bedroom4

  • Area: 143
  • Dimensions: 11x13

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Features: Formal
  • Level: Formal

Features

  • Flooring: Carpet,Laminate,Tile
  • Finished area above ground: 2,205

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,205
  • Total interior livable area: 2,205 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Eat-in Kitchen
  • Area: 126
  • Dimensions: 9x14

Living Room

  • Area: 289
  • Dimensions: 17x17

Master Bathroom

  • Features: Double Vanity
  • Level: Double Vanity

Other

  • Features: Bedroom 5
  • Level: Bedroom 5
  • Area: 110
  • Dimensions: 11x10

Recreation Room

  • Features: Second Floor
  • Level: Second Floor
  • Area: 176
  • Dimensions: 11x16

Property

Details

  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Topography of land: Level

Lot

  • Lot size: 6,500 sqft
  • Features: Level
  • Lot size dimensions: 65 x 100

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
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 $2,406$28,872
Home Insurance $200$2,400
Property Taxes $190$2,280
Electricity $179$2,149
Total$2,975$35,700

Income You'd Need if You Spent...

35% on housing$102,000/yr
40% on housing$89,250/yr
45% on housing$79,333/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
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 37167$207
Rutherford County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 37167$218
Rutherford County$219

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
2026-07-08Listed for sale$476,000

New Construction

AgentGeorgia R. Evans
BrokerageGeorgia Evans Realty, LLC

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