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For sale
  • $1,749,999

    281 Cottage Dr, Ten Mile, TN 37880

    3beds
    3,861sqft
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    Single Family Residence
    Built in 2001
    0.63 Acres Lot
    $-- Zestimate®
    $453/sqft
    $-- HOA

    What's special

    Welcome to 281 Cottage Drive, where classic lakefront living meets timeless charm on beautiful Watts Bar Lake. First time offered on the market, it is ideally situated on a large, quiet cove just off the main channel. This exceptional waterfront property offers the perfect balance of peaceful lake living and quick access to open water. Set on a picturesque 0.63-acre lot with a gently sloping, park-like setting that extends to the TVA 750-foot contour line and continues to the shoreline, the setting offers remarkable privacy and the rare convenience of easy, level access to the lake. Offering approximately 3,861 square feet of thoughtfully designed living space, this 3 bedroom, 3 1/2 bath beautifully maintained home blends timeless cottage-inspired architecture with spacious, comfortable living. A welcoming covered front porch, mature landscaping, plantation shutters, and quality finishes create an inviting atmosphere throughout. The dramatic great room is the heart of the home, showcasing soaring cathedral ceilings, a cozy fireplace, and expansive windows with electronic shades overlooking the backyard and lake. The adjoining kitchen features custom cabinetry, quality appliances, generous workspace, and an open layout that flows seamlessly into the breakfast area with plantation shutters. A separate formal dining room provides the perfect setting for holidays and entertaining. Completed in 2019, the stunning sunroom addition is one of the home's signature spaces. Surrounded by walls of windows, it offers panoramic views of the beautifully manicured lawn and the peaceful waters of Watts Bar Lake, making it the perfect place to enjoy your morning coffee or unwind at the end of the day. The spacious primary suite features a beautifully renovated spa-inspired bath completed in 2019 with an oversized tiled walk-in shower, freestanding soaking tub, separate vanities, tile flooring, and elegant finishes. Upstairs, you will find 2 guest bedrooms, a full bath and a large bonus room that offers flexible space for a home office, media room, playroom, or guests. The walk-out lower level expands the living space with a full second kitchen, recreation room, guest accommodations, abundant storage, and direct access to the backyard and lake--ideal for entertaining or multigenerational living. Outdoor living is where this property truly shines. The park-like grounds gently lead to the shoreline with one of the easiest, flattest walks to the water you'll find on Watts Bar Lake. The private dock features two covered boat slips, a floating personal watercraft dock, and a spacious lounging deck, creating the perfect place to boat, swim, fish, or simply relax by the water. In addition to the attached two-car garage, a detached three-bay garage/workshop, built in 2015, includes an additional half bath and expansive second-story storage, providing exceptional space for hobbies, boats, vehicles, or recreational equipment. Thoughtfully updated and meticulously maintained, the home also features a newer roof (2022), HVAC systems approximately three years old, a new water heater, and a Generac generator, offering comfort and peace of mind for years to come. From mornings in the sunroom to afternoons on the lake and evenings spent on the dock, 281 Cottage Drive offers the timeless waterfront lifestyle families dream about. Beautifully maintained, thoughtfully updated, and ideally situated on one of Watts Bar Lake's most desirable level waterfront lots, this is a rare opportunity to own a truly exceptional East Tennessee lake home.
    7 days
    |
    559
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    26
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Kristy Rucker 865-378-8789,

    Wallace 865-966-1111

    Source: East Tennessee Realtors,MLS#: 1346939MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 5
      • Full bathrooms: 3
      • 1/2 bathrooms: 2
      Rooms
      • Room types: Bonus Room
      Heating
      • Central, Propane, Electric
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Microwave, Range, Refrigerator, Self Cleaning Oven
      Features
      • Walk-In Closet(s), Cathedral Ceiling(s), Kitchen Island, Pantry, Eat-in Kitchen, Bonus Room
      • Flooring: Carpet, Hardwood, Tile
      • Windows: Windows - Vinyl
      • Basement: Walk-Out Access,Finished
      • Number of fireplaces: 1
      • Fireplace features: Gas Log
      Interior area
      • Total structure area: 3,861
      • Total interior livable area: 3,861 sqft

      Property

      Parking
      • Total spaces: 5
      • Parking features: Garage Faces Side, Garage Door Opener, Attached, Detached, RV Access/Parking
      • Attached garage spaces: 5
      Features
      • Exterior features: Dock
      • Has view: Yes
      • Has water view: Yes
      • On waterfront: Yes
      • Waterfront features: Lake/Water Access, Waterfront
      • Frontage type: Lakefront
      Lot
      • Size: 0.63 Acres
      • Features: Private, Level
      Details
      • Additional structures: Workshop
      • Parcel number: 006 005.00
      • Other equipment: Generator

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Cottage,Cape Cod
      • Property subtype: Single Family Residence
      Materials
      • Vinyl Siding, Brick
      Condition
      • Year built: 2001

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public

      Community & HOA

      Community
      • Security: Security System, Smoke Detector(s)
      Location
      • Region: Ten Mile

      Financial & listing details

      • Price per square foot: $453/sqft
      • Tax assessed value: $581,600
      • Annual tax amount: $2,455
      • Date on market: 7/7/2026

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/7/2026Listed for sale$1,749,999+4900%$453/sqft
        Source: East Tennessee Realtors #1346939 Report a problem
        3/28/1995Sold$35,000$9/sqft
        Source: Agent Provided Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,455 $145,400
        2024$2,455 $145,400
        2023$2,455 $145,400
        2022$2,455 $145,400
        2021-- $145,400 +13.9%
        2020$2,528 $127,600
        2019$2,528 $127,600
        2018$2,528 +0%$127,600
        2017$2,528 $127,600
        2016$2,528 +5.8%$127,600
        2015$2,389 +25.5%$127,600 +25.5%
        2014$1,904 +6.2%$101,650 +6.2%
        2013$1,793 +0.1%$95,751
        2012$1,791 -0.1%$95,751
        2011$1,793 $95,751
        2010-- $95,751 +3.9%
        2009$1,682 $92,140
        2008$1,682 $92,140
        2007$1,682 $92,140
        2006$1,682 -20.3%$92,140
        2005$2,110 +71.6%$92,140 +71.6%
        2004$1,230 +25.1%$53,691
        2002$983 $53,691 +6.5%
        2001-- $50,423 +22.2%
        2000-- $41,250
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 37880

        Getting around

        8 / 100
        Car-Dependent
        23 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Meigs North
        • Middle: Meigs
        • High: Meigs County

        Source: East Tennessee Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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