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2060 Torbett Rd, Spring city, TN, 37381

3beds
4baths
2,070sqft
$497,500
$240price/sqft
$3,444/moest. monthly cost
$137,760/yrincome needed

About This Home

Wake up to beautiful lake views in this lovingly cared-for 3-bedroom, 3.5-bath home that offers both comfort and flexibility. In addition to the main living space, the property includes an extra finished space above the detached garage complete with its own bathroom--perfect for guests, a private office, hobby room, or additional living quarters. Inside the main home, you'll find a warm and welcoming layout that has been freshly painted inside and out, giving the home a bright, updated feel. The enclosed porch provides a peaceful space to relax while enjoying the surrounding views and natural setting. This property has seen numerous major updates for peace of mind, including a new HVAC system in the main house installed in 2025, along with a separate HVAC system installed in 2024 serving the detached garage and finished upper room. Both buildings received new roofs in 2024, ensuring long-term durability. The garage itself is thoughtfully equipped with built-in shelves, cabinets, and even a safe, offering excellent organization and storage. An additional storage area above the attached garage provides even more room for seasonal items or equipment. Outside, the property continues to shine with a paved asphalt driveway installed in 2020 and a large blueberry patch that offers the opportunity to enjoy fresh fruit right from your own yard. Property has 2 driveways. With scenic lake views, extensive updates, versatile extra living space, and a property that has clearly been maintained with care, this home offers a rare combination of comfort, functionality, and charm.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
7/10
4/10
Rhea County High SchoolGrades 9-129.4 mi

Construction

Condition

  • Year built: 2000

Materials

  • Construction materials: Vinyl Siding,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Self Cleaning Oven

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Walk-In Closet(s),Pantry,Eat-in Kitchen,Bonus Room
  • Flooring: Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Natural Gas,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,070
  • Total interior livable area: 2,070 sqft

Property

Details

  • Parcel number: 038J F 00300 000
  • Other equipment: Intercom

Features

  • Has view: Yes
  • Has water view: Yes

Lot

  • Lot size: 0.63 Acres
  • Features: Other

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,Attached,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Inland Flooding
Landslide
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 $2,515$30,180
Home Insurance $207$2,484
Property Taxes $547$6,564
Electricity $175$2,103
Total$3,444$41,328

Income You'd Need if You Spent...

35% on housing$118,080/yr
40% on housing$103,320/yr
45% on housing$91,840/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 37381$151
Rhea County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 37381$274
Rhea County$176

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
2026-05-06Price change$560,000
2026-04-20Price change$565,000
2026-03-17Listed for sale$575,000
2002-04-23Sold$4,875

For Sale by Agent

AgentJay Allen
BrokerageMountaineer Realty LLC

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