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400 Ditch Gap Rd, Whitwell, TN, 37397

4beds
4baths
3,715sqft
$749,000
$202price/sqft
$5,341/moest. monthly cost
$213,640/yrincome needed

About This Home

Tucked away on approximately 12 private acres with sweeping mountain views, this all-brick custom home offers a rare opportunity to enjoy peaceful country living with timeless design and exceptional space. Boasting over 3,700 square feet, the home features 4 bedrooms, expansive living areas, soaring ceilings, and abundant natural light throughout. Hardwood flooring, detailed trim work, and oversized windows create a warm and inviting atmosphere while showcasing the beauty of the surrounding landscape from nearly every room. The spacious layout was thoughtfully designed for both everyday living and entertaining, with large gathering spaces that feel open yet comfortable. A dramatic living area with vaulted ceilings flows seamlessly to the outdoor spaces, while the upstairs loft overlooking the main level adds flexibility for a sitting area, office, or additional living space. Outside, the covered wraparound porch captures the true essence of the property--quiet, private, and surrounded by nature. Whether enjoying morning coffee, hosting guests, or simply taking in the mountain backdrop, the setting offers a true retreat feel that is increasingly difficult to find. The acreage provides privacy and usable outdoor space while still allowing convenient access to nearby amenities. For added peace of mind, the home has been pre-inspected prior to listing, with the inspection report available upon request. Some listing photos have been virtually altered to remove furniture for marketing purposes; however, much of the furniture currently remains in the home and will be removed prior to closing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
8/10
Whitwell Middle SchoolGrades 5-83.7 mi
6/10
Whitwell High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Brick/Mortar,See Remarks
  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Flooring: Carpet,Hardwood,Tile
  • Finished area above ground: 3,715

Interior Area

  • Total structure area: 3,715
  • Total interior livable area: 3,715 sqft

Property

Details

  • Parcel number: 081 01405 000

Features

  • Patio & porch: Porch - Covered
  • Exterior features: Private Entrance,Private Yard
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 12.05 Acres
  • Features: Gentle Sloping,See Remarks,Views
  • Lot size dimensions: 12.05 ACRES

Parking

  • Parking features: Driveway,Garage Faces Side

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 FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather
Lightning

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 $3,787$45,444
Home Insurance $167$2,004
Property Taxes $1,086$13,032
Electricity $301$3,622
Total$5,341$64,092

Income You'd Need if You Spent...

35% on housing$183,120/yr
40% on housing$160,230/yr
45% on housing$142,426/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: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 37397$180
Marion County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 37397
Marion County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-20Listed for sale$749,000
1999-05-11Sold$43,000

For Sale by Agent

AgentGarrett Cox
BrokerageCrye-Leike, REALTORS

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