637 Baye Rd, Rutledge, TN, 37861
About This Home
Welcome to 637 Baye Road, Rutledge, Tennessee--a home where everyday life feels like a getaway and the beauty of Cherokee Lake becomes part of your daily rhythm. Perfectly perched to capture serene lake views, this exceptional all-brick basement ranch invites you into a lifestyle defined by peace, adventure, and effortless luxury. Imagine starting your mornings with coffee in hand as the sun rises over the water, spending your afternoons boating on Cherokee Lake, and ending the day surrounded by the quiet beauty of East Tennessee. This is more than a home--it is a retreat for those who crave space, comfort, and the kind of setting that makes lasting memories. With 4 bedrooms, 4 bathrooms, and a 4-car garage, this residence offers the ideal balance of elegance and functionality. The spacious basement ranch design creates room for both intimate family moments and unforgettable gatherings, while the expansive garage provides ample space for vehicles, lake gear, and all the extras that come with an active, outdoor lifestyle. Crafted in timeless all-brick construction, this home carries a sense of permanence and quality, while its connection to the lake brings a rare feeling of freedom. Whether you are hosting friends after a day on the water, welcoming family for the holidays, or simply enjoying the stillness of an evening with a lake view, every space is designed to support a life that feels rich in both beauty and meaning. At 637 Baye Road, luxury is not just found in the features--it is found in the lifestyle. It is in the view, the space, the calm, and the joy of living moments from the water. For those who dream of a home that offers both everyday comfort and the feeling of escape, this Cherokee Lake property delivers something truly special.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2007
Materials
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Other,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Finished,Other
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Features
- Walk-In Closet(s),Pantry,Eat-in Kitchen,Bonus Room
- Window features: Insulated Windows
- Flooring: Other,Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Gas,Gas Log,Wood Burning Stove
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Heat Pump,Electric
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 3,173
- Total interior livable area: 3,173 sqft
Property
Details
- Parcel number: 069M D 023.00
Features
- Exterior features: Prof Landscaped
- Has view: Yes
- View description: Other,Country Setting
- Has water view: Yes
Lot
- Lot size: 0.74 Acres
- Features: Private,Irregular Lot
- Lot size dimensions: 106 x 227 x 103 x 249
Parking
- Total spaces: 4
- Parking features: Garage Faces Side,Garage Faces Rear,Garage Door Opener,Attached,Basement,Main Level
- 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
- Lightning
- Strong Wind
- Cold Wave
- Tornado
- Winter Weather
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 | $2,275 | $27,300 |
| Home Insurance | $251 | $3,012 |
| Property Taxes | $882 | $10,584 |
| Electricity | $257 | $3,093 |
| Total | $3,665 | $43,980 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Price change | $525,000 |
| 2026-03-06 | Listed for sale | $587,500 |
| 2007-07-13 | Sold | $315,000 |
| 2005-10-25 | Sold | $22,500 |
For Sale by Agent
View on Zillow