27 Church St, Spencer, TN 38585

Welcome home to this adorable Cape Cod-style home that's full of charm, character, and practical updates. From the inviting covered front porch to the warm hardwood floors, this home offers a comfortable and welcoming place to call your own. Inside, you'll find a convenient main-level bedroom, spacious living areas, and an updated kitchen with beautiful butcher block countertops, brand-new appliances, a gas stove, and plenty of workspace for everyday cooking and entertaining. The updated laundry room adds extra convenience and functionality. This home has already had several important improvements completed, including a whole-house water filtration system and an energy-efficient central heating and air system designed to help keep utility costs low while providing year-round comfort. Outside, the manageable yard offers just enough space to enjoy without requiring constant upkeep, making it perfect for busy homeowners, first-time buyers, or those looking to downsize. A covered carport provides protection for your vehicle and added convenience. Conveniently located near Fall Creek Falls State Park, you'll enjoy easy access to hiking, waterfalls, scenic overlooks, and outdoor recreation while still being close to everyday necessities. Whether you're a first-time homebuyer looking for an affordable place to call home, searching for a weekend getaway, or adding to your investment portfolio, this move-in-ready property offers outstanding value and plenty of potential. **Owner financing may be available with as little as 10% down payment**, creating a unique opportunity for buyers who may benefit from alternative financing options. Contact your agent for details and terms. Affordable, updated, and full of character, this charming home is ready for its next chapter--and it could be yours.