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450 Cedar Hill Rd, Celina, TN, 38551

4beds
3baths
2,116sqft
$404,900
$191price/sqft
$2,613/moest. monthly cost
$104,520/yrincome needed

About This Home

INVESTMENT RENTAL PROPERTYY WITH A HOME – WALKING DISTANCE TO DALE HOLLOW LAKE, TN AT CEDAR HILL MARINA: NOTE: all information includes both units which there is an attached deck that connects the two units. The MAIN HOME is approx. 900 sq ft with 2 BD/2BA. open concept kitchen – dining rooms large living room, some of the rooms have beautiful oak knob ceilings, laundry room, totally furnished, covered porch and a U shape deck at the back and sides. The lovely decking with the gazebo is connected to two rental units. UNIT 2: Lower level is approx. 875 sq ft – open concept – kitchenette - full bath and sleeps six. PLUS, it is professionally decorated and lovingly & totally furnished. This unit connects to the open deck to the main home and the upper-level apartment.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

3/10
Celina K-8Grades PK-83.7 mi
--
Clay Co Adult High SchoolGrades 9-123.6 mi
6/10
Clay County High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding,Frame,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator,Electric Range,Microwave,Washer,Dryer,Other,Electric Water Heater
  • Laundry features: Main Level,Other

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Level: Main
  • Area: 87.456

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Features

  • New Floor Covering,New Paint,Ceiling Fan(s),Walk-In Closet(s),Other
  • Window features: Double Pane Windows,Storm Window(s),Blinds,Other
  • Fireplace features: None

Heating & Cooling

  • Heating features: Electric,Other
  • Cooling features: Wall/Window Unit(s),Other

Interior Area

  • Total structure area: 2,116
  • Total interior livable area: 2,116 sqft

Kitchen

  • Level: Main
  • Area: 233

Living Room

  • Level: Main
  • Area: 140.39

Master Bedroom

  • Level: Main
  • Area: 160.08

Property

Accessibility

  • Accessibility features: Handicap Access

Details

  • Parcel number: 022.03
  • Zoning: Res
  • Other equipment: Satellite Dish

Features

  • Levels: Two
  • Patio & porch: Porch,Covered,Deck,Other
  • Exterior features: Lighting,Other,Decorative Lighting
  • Has view: Yes
  • View description: No Water Frontage View Description
  • Water view: No Water Frontage View Description
  • Waterfront features: No Water Frontage View Description

Lot

  • Lot size: 0.50 Acres
  • Features: Wooded,Cleared,Views,Other,Trees
  • Lot size dimensions: 90 x 120 x 88 x 120

Parking

  • Parking features: None

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Lightning
Winter Weather
Ice Storm

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 $2,047$24,564
Home Insurance $250$3,000
Property Taxes $141$1,692
Electricity $175$2,103
Total$2,613$31,356

Income You'd Need if You Spent...

35% on housing$89,588/yr
40% on housing$78,390/yr
45% on housing$69,680/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -11.3%
-11.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 38551$147
Clay County$127

vs Homes Sold Last Month

Median $/sqft

ZIP 38551
Clay County$131

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
2026-05-11Listed for sale$424,900
2026-05-07Listing removed$424,900
2025-10-28Listed for sale$424,900
2021-06-24Sold$220,000

For Sale by Agent

AgentDebra Dodd
BrokerageNo. 1 Quality Realty-celina

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