410 Ashbury Cir · Sweetwater, TN 37874

$299,000

3 bd · 4.0 ba · 1,820 sqft · SingleFamily public records · 26 Days on market

Built 2005 2,178 sqft lot $90/mo HOA · 4% of rent

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +14.6/30.0
• ARV discount +7.5/15.0
• DSCR +4.4/10.0
• 1% rule +3.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to life in the highly desirable Willow Creek community of Sweetwater! This well-maintained 3 bedroom, 3.5 bathroom townhome offers comfortable living space with a functional multi-level layout that provides flexibility, privacy, and room to spread out. Unlike many townhomes in the area, every bedroom features its own full bathroom, and each level of the home includes bathroom access, making the layout ideal for guests, multi-generational living, roommates, or work-from-home flexibility. The main level features gorgeous hardwood floors and an open-concept layout that creates an inviting space for both everyday living and entertaining. The kitchen offers an abundance of cabinet storage, stone countertops, pantry space, and newer stainless appliances. All kitchen appliances remain with the home making move in easy. The dining area is accented by a stylish feature wall that adds warmth and character to the space. Fresh paint and updated kitchen hardware further enhance the home's clean and move-in ready feel. The second floor boasts a laundry closet and two spacious bedrooms, including the primary en-suite featuring a large double sink vanity, generous closet space, and private full bathroom. The third-floor functions as a suite of its own complete with attached bathroom, creating an ideal setup for a guest retreat, bonus room, home office, media space, or private living area. Beyond the home itself, Willow Creek offers a lifestyle that is difficult to find at this price point. Residents enjoy access to a community pool, basketball court, newly updated tennis courts, playground, sidewalks, amphitheater, and regular neighborhood events throughout the year. The community clubhouse serves as a central gathering space and includes a fitness center, library, and additional recreation and meeting areas for residents to enjoy. The neighborhood is especially known for its welcoming atmosphere and active holiday seasons. Conveniently located just minutes from downtown Sweetwater, shopping, dining, schools, and quick access to I-75, this move-in ready home offers the perfect blend of low-maintenance living, community amenities, and functional space.

Key facts

• Primary en-suite
• Stone countertops
• Laundry closet

Tags

• MULTI-LEVEL LAYOUT
• OPEN-CONCEPT LAYOUT
• ABUNDANCE OF CABINET STORAGE
• STONE COUNTERTOPS
• LAUNDRY CLOSET
• PRIMARY EN-SUITE

Property features AI

Finance

• Other: Lot dimensions approximately 20 x 135.39 (irregular); Lot size about 0.05 acres
• HOA & community: HOA with monthly fee of $90; HOA amenities include pool, playground, and sidewalks; HOA fee includes grounds maintenance

Exterior

• Parking: Attached garage with 1 covered space (1 total parking space)
• Utilities: Public water; Public sewer; Electricity available
• Home design: Single Family Residence; Residential property; Three or more levels; Entry level and facing details not provided
• Construction: Frame construction with vinyl siding; Crawl space foundation; Year built: existing
• Exterior features: Deck; Porch (covered); Level lot; Other lot features

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Oven; Refrigerator; Pantry
• Bedrooms: 3 bedrooms (one bedroom includes a walk-in closet)
• Flooring: Carpet; Wood; Tile
• Bathrooms: 3 full bathrooms; 1 half bathroom
• Heating & cooling: Electric heating; Central air conditioning; Ceiling fan(s); Other heating
• Interior features: Walk-in closets; Pantry; Ceiling fans
• Laundry & utility: Washer hookup; Electric dryer hookup; Utility room

What this means for you Summary

Snapshot

• This is a 3-bed/4.0-bath single-family listed at $299k.

Deal economics

• At list price, monthly cash flow is $70 ($842/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $250k (16.6% below list).
• Recommended offer: $250k (16.6% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 4.1% in Sweetwater — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#134 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, amenities F, commute F.
• Sweetwater (rural): math 25% / reading 24% proficiency, ranked #94 of 139 in TN (top 68%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Sweetwater Elementary (math 40% / reading 35%, grade F, #269 of 952 statewide, top 28%, 299 students, 0% FRL) — zoned schools average 0% FRL vs 61% district-wide (61 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 38% at this address vs 24% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Sweetwater average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 141 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 157 units permitted in Monroe County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($295k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 18y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $249,500 (16.6% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.83% ✗
• Cap rate: 6.57%
• Cash-on-cash: 1.01%
• DSCR: 1.04
• GRM: 10.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -14.7%
• Equity multiple: 0.47×
• Total profit: $-44,048
• Equity at exit: $44,582

10-year hold

• IRR: -6.1%
• Equity multiple: 0.61×
• Total profit: $-32,865
• Equity at exit: $25,852

Cash invested: $83,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37874

• Home prices YoY: -5.4%
• Active inventory: 141
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,495 medium
• Mortgage (P&I): −$1,568
• Tax from tax record: −$118 /mo · $1,420/yr
• Insurance: −$125
• HOA: −$90
• Vacancy / Maint / Mgmt: −$524
• Net cashflow: $70

Break-even live

Break-even rent $2,406

Max offer price $299,000

Occupancy floor 92%

Sensitivity live

Price	-10% $239	-5% $155	+0% $70	+5% $-15	+10% $-99
Rent	-10% $-127	-5% $-28	+0% $70	+5% $169	+10% $267
Rate	-1.0pp $221	-0.5pp $146	base $70	+0.5pp $-7	+1.0pp $-86

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $74,750
• Closing costs: $8,970
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
918 Stratford Ave Sweetwater, TN	3.0	2.0	1500	$2,495	$1.66	24d	1	0.35mi

HOA detail

• Monthly dues: $90 · $1,080/yr
• Likely covers: waterpoolgym

Listing history 34 events

1. 2026-06-21
   days on market $299,000 Active 26 DOM
2. 2026-06-18
   days on market $299,000 Active 24 DOM
3. 2026-06-17
   days on market $299,000 Active 23 DOM
4. 2026-06-16
   days on market $299,000 Active 22 DOM
5. 2026-06-15
   days on market $299,000 Active 21 DOM
6. 2026-06-13
   days on market $299,000 Active 19 DOM
7. 2026-06-12
   pricedays on market $299,000 Active 18 DOM
8. 2026-06-09
   days on market $305,000 Active 15 DOM
9. 2026-06-08
   days on market $305,000 Active 14 DOM
10. 2026-06-08
    days on market $305,000 Active 13 DOM
11. 2026-06-07
    days on market $305,000 Active 12 DOM
12. 2026-06-03
    days on market $305,000 Active 9 DOM
13. 2026-06-02
    days on market $305,000 Active 8 DOM
14. 2026-06-01
    days on market $305,000 Active 7 DOM
15. 2026-05-31
    days on market $305,000 Active 6 DOM
16. 2026-05-25
    listed $305,000 Active

    Show marketing remark (2185 chars)

    Welcome to life in the highly desirable Willow Creek community of Sweetwater! This well-maintained 3 bedroom, 3.5 bathroom townhome offers comfortable living space with a functional multi-level layout that provides flexibility, privacy, and room to spread out. Unlike many townhomes in the area, every bedroom features its own full bathroom, and each level of the home includes bathroom access, making the layout ideal for guests, multi-generational living, roommates, or work-from-home flexibility. The main level features gorgeous hardwood floors and an open-concept layout that creates an inviting space for both everyday living and entertaining. The kitchen offers an abundance of cabinet storage, stone countertops, pantry space, and newer stainless appliances. All kitchen appliances remain with the home making move in easy. The dining area is accented by a stylish feature wall that adds warmth and character to the space. Fresh paint and updated kitchen hardware further enhance the home's clean and move-in ready feel. The second floor boasts a laundry closet and two spacious bedrooms, including the primary en-suite featuring a large double sink vanity, generous closet space, and private full bathroom. The third-floor functions as a suite of its own complete with attached bathroom, creating an ideal setup for a guest retreat, bonus room, home office, media space, or private living area. Beyond the home itself, Willow Creek offers a lifestyle that is difficult to find at this price point. Residents enjoy access to a community pool, basketball court, newly updated tennis courts, playground, sidewalks, amphitheater, and regular neighborhood events throughout the year. The community clubhouse serves as a central gathering space and includes a fitness center, library, and additional recreation and meeting areas for residents to enjoy. The neighborhood is especially known for its welcoming atmosphere and active holiday seasons. Conveniently located just minutes from downtown Sweetwater, shopping, dining, schools, and quick access to I-75, this move-in ready home offers the perfect blend of low-maintenance living, community amenities, and functional space.

17. 2026-05-25
    listed $305,000 Active 2185-char remark

    Show marketing remark (2185 chars)

    Welcome to life in the highly desirable Willow Creek community of Sweetwater! This well-maintained 3 bedroom, 3.5 bathroom townhome offers comfortable living space with a functional multi-level layout that provides flexibility, privacy, and room to spread out. Unlike many townhomes in the area, every bedroom features its own full bathroom, and each level of the home includes bathroom access, making the layout ideal for guests, multi-generational living, roommates, or work-from-home flexibility. The main level features gorgeous hardwood floors and an open-concept layout that creates an inviting space for both everyday living and entertaining. The kitchen offers an abundance of cabinet storage, stone countertops, pantry space, and newer stainless appliances. All kitchen appliances remain with the home making move in easy. The dining area is accented by a stylish feature wall that adds warmth and character to the space. Fresh paint and updated kitchen hardware further enhance the home's clean and move-in ready feel. The second floor boasts a laundry closet and two spacious bedrooms, including the primary en-suite featuring a large double sink vanity, generous closet space, and private full bathroom. The third-floor functions as a suite of its own complete with attached bathroom, creating an ideal setup for a guest retreat, bonus room, home office, media space, or private living area. Beyond the home itself, Willow Creek offers a lifestyle that is difficult to find at this price point. Residents enjoy access to a community pool, basketball court, newly updated tennis courts, playground, sidewalks, amphitheater, and regular neighborhood events throughout the year. The community clubhouse serves as a central gathering space and includes a fitness center, library, and additional recreation and meeting areas for residents to enjoy. The neighborhood is especially known for its welcoming atmosphere and active holiday seasons. Conveniently located just minutes from downtown Sweetwater, shopping, dining, schools, and quick access to I-75, this move-in ready home offers the perfect blend of low-maintenance living, community amenities, and functional space.

18. 2024-12-23
    soldstatus $285,000
19. 2024-12-18
    soldstatus $285,000 Closed 1489-char remark

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

20. 2024-12-18
    soldstatus $285,000

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

21. 2024-12-18
    soldstatus $285,000 Closed

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

22. 2024-10-21
    status Pending

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

23. 2024-10-21
    status Pending 1489-char remark

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

24. 2024-10-21
    listed $289,900

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

25. 2024-10-01
    listed $289,900 Active 1489-char remark

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

26. 2024-10-01
    listed $289,900 Active

    Show marketing remark (1489 chars)

    Unique 3-level townhome in Willow Creek! Get ready to enjoy Willow Creek living in this townhome beauty! This impeccably, maintained townhome boasts 1,964 square feet, 3 bedrooms and 3.5 bathrooms, perfect for families of all sizes, professionals looking for extra workspace, empty nesters or retirees. This cozy home features an open-living floor plan, perfect for hosting gatherings or unwinding after a long day. The luxurious hardwood flooring flows throughout. In the kitchen, you will find ample counter space with beautifully painted cabinetry, new appliances, an oversized pantry and an eat in dining area, making all your kitchen dreams come true. All appliances remain making moving in a breeze. On the second floor, unwind in your immaculately kept, master bedroom with ample closet space. In the master en-suite, you will find an oversized double vanity. The wide front porch is the ideal place to enjoy a cup of coffee or greet your neighbors. Host a BBQ on your back deck! Looking for a man cave? This home is already designed with a bonus space in the garage creating the ideal space to make your own. Enjoy community amenities and perks like a clubhouse, pool, tennis courts, sidewalks and fitness center. Located conveniently near shopping, dining, and entertainment, this prime spot ensures there is always something to do. Don't miss the chance to own a home in this desirable neighborhood. Book a showing now and immerse yourself in the Willow Creek lifestyle!

27. 2024-07-23
    historical
28. 2024-04-16
    listed $295,000 Active
29. 2024-04-16
    listed $295,000 Active
30. 2020-04-28
    soldstatus $145,000
31. 2020-04-21
    soldstatus $145,000 Closed
32. 2020-03-16
    status Pending
33. 2020-03-14
    listed $145,000 Active
34. 2008-08-22
    listed $139,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $1,420 · $118/mo
• Projected year-2 tax: $2,123 · $177/mo
• Expected delta: +$703/yr (+$59/mo · 49.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,940
• − Mortgage interest: −$16,749
• − Property taxes: −$1,420
• − Insurance: −$1,495
• − Repairs & maintenance: −$2,395
• − Management: −$2,395
• − HOA: −$1,080
• − Depreciation: −$8,698
• Taxable loss: −$4,292
• Est. tax savings @ 24.0%: +$1,030
• After-tax cash flow: $1,872/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Sweetwater
• NCES district ID: 4704050
• Math proficiency: 25% ▼ -9.00%
• Reading proficiency: 24% ▼ -4.00%
• Median HH income: $36,993
• Composite: 20.41/100
• National rank: #8586
• State rank: #94 of 139 in TN

Livability — Sweetwater

• Score: 66/100
• State rank: #134
• US rank: #12256

Category grades

Amenities F Commute F Cost of living A+ Crime C Employment F Housing A+ Health & safety C- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sweetwater, TN
• City population: 16,640
• Population (ZIP): 16,640

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 47,571 people
• By 2030: 48,155 · +1.2%
• By 2040: 48,772 · +2.5%
• By 2050: 48,698 · +2.4%
• By 2075: 48,558 · +2.1%
• By 2100: 47,543 · -0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 7% Two or more races 7% Black 2%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Italian 3% Iranian 2% Lithuanian 2%
• Foreign-born: 3% · Canada, Jamaica, China
• Languages at home: 94% English-only · Spanish 5%

Political lean MEDSL · Monroe

• 2024 margin: Solid R (+66.8) · D 16.2% · R 83.0%
• 2008→2024 swing: -28.5pp toward R · 2008: -38.3pp · 2024: -66.8pp
• All cycles: 2024: R+66.8 2020: R+62.6 2016: R+59.7 2012: R+45.0 2008: R+38.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -19.36%
• Current HPI: 336.2084
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+118.0% since first listed

19 events — show timeline

• 2026-05-25 Listed $305,000 REALTRACS as Distributed by MLS Grid
• 2026-05-25 Listed $305,000 Knoxville MLS
• 2024-12-23 Sold (Public Records) $285,000 Public Records
• 2024-12-18 Sold (MLS) $285,000 Knoxville MLS
• 2024-12-18 Sold (MLS) $285,000 REALTRACS as Distributed by MLS Grid
• 2024-12-18 Sold (MLS) $285,000 RCAOR
• 2024-10-21 Pending — Knoxville MLS
• 2024-10-21 Pending — RCAOR
• 2024-10-21 Listed $289,900 REALTRACS as Distributed by MLS Grid
• 2024-10-01 Listed $289,900 Knoxville MLS
• 2024-10-01 Listed $289,900 RCAOR
• 2024-07-23 Listing Removed — Knoxville MLS
• 2024-04-16 Listed $295,000 RCAOR
• 2024-04-16 Listed $295,000 Knoxville MLS
• 2020-04-28 Sold (Public Records) $145,000 Public Records
• 2020-04-21 Sold (MLS) $145,000 Knoxville MLS
• 2020-03-16 Pending — Knoxville MLS
• 2020-03-14 Listed $145,000 Knoxville MLS
• 2008-08-22 Listed $139,900 Knoxville MLS

Property tax history

+3.0%/yr

Latest (2025): $1,420 · +0.0% YoY. Source: county tax records.