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898 Childers Creek Rd, Reliance, TN, 37369

7beds
5baths
5,400sqft
$775,000
$144price/sqft
$5,898/moest. monthly cost
$235,920/yrincome needed

About This Home

Escape to the peaceful beauty of the mountains in Reliance, Tennessee, where privacy, space, and nature come together in this inviting retreat. Tucked away in a serene setting, this property offers the perfect opportunity to unplug, unwind, and truly relax. The main home features 6 spacious bedrooms and 2 full baths, providing ample room for family, guests, or even a multi-generational getaway. Warm and welcoming, the home is designed for comfortable living with plenty of space to gather or spread out and enjoy the quiet surroundings. Adding to the charm is a separate cottage complete with 1 bedroom and 1 bath—ideal for guests, rental income, or a private retreat space. Whether you're hosting friends or creating an income-producing opportunity, this additional dwelling offers flexibility and value. Located just a short drive from the natural beauty of Hiwassee River and nearby Cherokee National Forest, outdoor enthusiasts will love the easy access to hiking, fishing, kayaking, and endless mountain adventures. Whether you're searching for a full-time residence, vacation home, or investment property, this unique offering captures the essence of mountain living—peaceful, private, and surrounded by nature. Come experience the slower pace and natural beauty that make this property truly special.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Benton Elementary SchoolGrades PK-510.2 mi
4/10
Chilhowee Middle SchoolGrades 6-810.2 mi
4/10
Polk County High SchoolGrades 9-128.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1998

Materials

  • Foundation: Permanent
  • Roof: Metal
  • Construction materials: Frame,Timber/Pole Frame,Log,Wood Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Cabin,Country,Cottage
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Dishwasher,Washer,Dryer
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5
  • Full bathrooms: 5

Features

  • Ceiling Fan(s),Sheetrock,Wood,Entrance Foyer,Eat-in Kitchen
  • Flooring: Wood,Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 5,400
  • Total interior livable area: 5,400 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 029 013.06

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Deck,Open
  • Exterior features: Private Yard
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Pasture,Trees/Woods
  • Frontage type: Road
  • Topography of land: Sloping,Rolling

Lot

  • Lot size: 1.10 Acres

Parking

  • Parking features: Driveway,Gravel
  • Has uncovered spaces: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Inland Flooding
Landslide
Tornado
Wildfire

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 $3,918$47,016
Home Insurance $462$5,544
Property Taxes $1,080$12,960
Electricity $438$5,265
Total$5,898$70,776

Income You'd Need if You Spent...

35% on housing$202,217/yr
40% on housing$176,940/yr
45% on housing$157,280/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 7.8%
7.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 37369$151
Polk County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 37369$278
Polk County$249

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
2026-05-04Price change$825,000
2026-04-20Listed for sale$850,000
2026-02-20Listing removed$899,000
2026-01-06Price change$899,000
2025-12-08Price change$950,000
2025-11-03Price change$1,012,400
2025-08-21Listed for sale$1,062,400
2025-04-10Listing removed$799,000
2024-12-11Price change$799,000
2024-11-14Price change$849,000
2024-10-28Price change$990,000
2024-10-18Price change$975,000
2024-09-22Price change$990,000
2024-02-19Price change$1,169,000
2023-08-11Price change$1,269,000
2023-07-28Price change$1,279,000
2023-07-13Listed for sale$1,390,000
2023-06-20Listing removed--
2023-06-15Price change$1,160,000
2023-06-05Listed for sale$1,300,000
2022-12-05Sold$720,000
2008-02-07Sold$105,000
1998-08-07Sold$9,250

For Sale by Agent

AgentCharlem Stacy
BrokerageAnsley Real Estate Christie's Int. Real Estate

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