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439 McLillie Ln, Covington, TN, 38019

5beds
5baths
3,747sqft
$539,000
$144price/sqft
$4,097/moest. monthly cost
$163,880/yrincome needed

About This Home

This large, stately home sits near the cove of a dead-end street. It features plenty of square footage inside and lots of room to roam outside. With a little TLC, this place would be a show stopper. Owner prefers to sell "as-is", due to living out of state and has priced the home accordingly. Call today to schedule your private showing!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

3/10
4/10
Crestview Middle SchoolGrades 6-85.2 mi
5/10
Covington High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Composition Shingles
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,French
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range/Oven,Dishwasher,Microwave
  • Laundry features: Laundry Room

Bedroom2

  • Features: Built-in Features,Carpet,Private Full Bath,Smooth Ceiling
  • Level: First
  • Area: 182

Bedroom3

  • Features: Carpet,Smooth Ceiling
  • Level: Second
  • Area: 100

Bedroom4

  • Features: Carpet,Smooth Ceiling
  • Level: Second
  • Area: 120

Bedroom5

  • Features: Carpet,Smooth Ceiling
  • Level: Second
  • Area: 130

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Bonus Room

  • Area: 464

Dining Room

  • Features: Separate Dining Room
  • Area: 132

Features

  • 1 or More BR Down,Primary Down,Two Primaries,Split Bedroom Plan,Luxury Primary Bath,Separate Tub & Shower,2 Full Primary Baths,Half Bath Down,Jacuzzi,Smooth Ceiling,High Ceilings,Vaulted/Coff/Tray Ceiling,Two Story Foyer,Wet Bar,Walk-In Closet(s),Central Vacuum,Rear Stairs to Playroom,Living Room,Dining Room,Kitchen,Primary Bedroom,2nd Bedroom,1/2 Bath,2 or More Baths,Laundry Room,Breakfast Room,2nd Bedroom,3rd Bedroom,4th or More Bedrooms,2 or More Baths,Play Room/Rec Room,Office,Storage,Square Feet Source: AutoFill (MAARdata) or Public Records (Cnty Assessor Site)
  • Door features: Storm Door(s)
  • Flooring: Part Hardwood,Part Carpet,Tile,Brick
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Log
  • Fireplace: Yes
  • Attic: Pull Down Stairs,Walk-In

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 3,747 sqft

Kitchen

  • Features: Updated/Renovated Kitchen,Breakfast Bar,Separate Breakfast Room,Pantry,Kitchen Island
  • Area: 182

Living Room

  • Features: Separate Living Room
  • Area: 340

Master Bathroom

  • Features: Double Vanity,Separate Shower,Smooth Ceiling,Tile Floor,Whirlpool Tub,Full Bath

Master Bedroom

  • Features: Carpet,Smooth Ceiling
  • Level: First
  • Area: 255

Office

  • Features: Hardwood Floor,Smooth Ceiling
  • Level: Second
  • Area: 117

Property

Details

  • Parcel number: 027 027 07105

Features

  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch,Patio
  • Has spa: Yes
  • Spa features: Whirlpool(s),Bath

Lot

  • Lot size: 5 Acres
  • Features: Some Trees,Level
  • Lot size dimensions: 5 ACRES

Parking

  • Total spaces: 3
  • Parking features: Driveway/Pad,More than 3 Coverd Spaces,Storage,Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Covered spaces: 3
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Tornado
Heat Wave
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 $2,725$32,700
Home Insurance $403$4,836
Property Taxes $665$7,980
Electricity $304$3,653
Total$4,097$49,164

Income You'd Need if You Spent...

35% on housing$140,468/yr
40% on housing$122,910/yr
45% on housing$109,253/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
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 38019$112
Tipton County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 38019$139
Tipton County$162

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
2026-04-21Listed for sale$539,000
2014-01-23Listing removed$319,000
2013-11-15Listed for sale$319,000
2013-08-07Listing removed$335,000
2013-02-19Listed for sale$335,000
2005-09-02Sold$336,000
1996-10-28Sold$30,000
1995-06-12Sold$25,000

For Sale by Agent

AgentKathryn C McGowan
BrokerageCovington Realty & Auction LLC

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