1188 White Top Rd, Bluff City, TN, 37618
About This Home
Stately Bluff City home offering 6 bedrooms, 4.5 baths, and a private in-law suite with its own living room, bedroom, full bath, and water access for potential kitchenette. Features include hardwood floors, bright white kitchen, formal dining room, and dedicated library with space for 1,200+ books. Outdoor living includes stone fireplace, above-ground pool, deck, and koi pond. Garage is plumbed for future half bath. Situated on just over 0.5 acres, with an additional adjoining 0.43-acre lot available with acceptable offer. County-only taxes. Desirable location. Buyer/Buyer's agent to verify all information. All information deemed reliable but not guaranteed. Information obtained from sellers and third-party sources.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Above Average
- Year built: 2003
Materials
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Features
- Entrance Foyer,Granite Counters
- Flooring: Carpet,Hardwood
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 854
Heating & Cooling
- Heating features: Central,Fireplace(s)
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 3,106
- Total interior livable area: 3,106 sqft
Property
Details
- Parcel number: 068o C 015.00
- Zoning: R 1
Features
- Levels: Three Or More
- Stories: 3
- Pool features: Above Ground
- Patio & porch: Back,Deck,Front Porch
- Exterior features: See Remarks
- Topography of land: Cleared, Rolling Slope
Lot
- Lot size: 0.54 Acres
- Lot size dimensions: see acres
Parking
- Total spaces: 2
- Parking features: Driveway,Asphalt
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Inland Flooding
- Lightning
- Strong Wind
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 | $2,679 | $32,148 |
| Home Insurance | $212 | $2,544 |
| Property Taxes | $700 | $8,400 |
| Electricity | $252 | $3,028 |
| Total | $3,843 | $46,116 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-24 | Price change | $599,999 |
| 2026-04-15 | Price change | $614,999 |
| 2026-04-01 | Listed for sale | $624,999 |
| 2003-04-14 | Sold | $18,000 |
View on Zillow