Welcome to your mountain retreat on the Cumberland Plateau. Nestled in the serene, gated community of The Retreat at Waters Edge, this one-of-a-kind, custom site-built cottage seamlessly combines rustic charm with refined detail. Every square foot of this home has been thoughtfully designed to maximize space, comfort, and everyday functionality.
Your outdoor living experience begins on the expansive screened-in front porch, featuring beautifully stained tongue-and-groove ceilings, durable outdoor tile, and ample room to gather and unwind. Stepping through the front door, you are welcomed by a bright, open-concept living and kitchen area flooded with natural light. The kitchen has been intelligently crafted with custom layouts to maximize both counter space and storage. Do not let the efficient footprint fool you, as the home comfortably offers two spacious bedrooms, two full bathrooms, and a versatile loft, giving everyone plenty of room to spread out and relax.
Best of all, this property is being offered completely turnkey. Furniture and major appliances, including the refrigerator, freezer, washer, and dryer convey with the sale, making this an effortless, worry-free acquisition for homebuyers and investors alike.
Residents of The Retreat at Waters Edge enjoy community amenities, including walking trails, peaceful communal spaces, fire pits, and a private lake complete with a community dock. Conveniently located near major interstates and roadways for easy travel, the property puts you close to top outdoor destinations such as Fiery Gizzard, Head of the Crowe, Tims Ford Lake, and the Mountain Goat Trail. You will also enjoy quick access to regional cultural hubs like The Caverns music venue, The University of the South in Sewanee, and the vibrant lakeside town of Winchester.
This property has been successfully utilized as a short term rental, making this home not just a peaceful retreat but also a great investment.
For sale
$325,000
292 Waters Edge Way, Tracy City, TN 37387
3beds
737sqft
Single Family Residence
Built in 2021
0.41 Acres Lot
$316,200 Zestimate®
$441/sqft
$100/mo HOA
What's special
- 23 days
- 317
- 17
Zillow last checked:
Listing updated:
Listed by:
Wade Trammell 423-718-4815,
Keller Williams Realty 423-664-1900,
Clark Dixon 423-660-7515,
Keller Williams Realty
Source: Greater Chattanooga Realtors,MLS#: 1540219
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Microwave, Oven, Refrigerator, Washer/Dryer
- Laundry: Washer Hookup
Features
- High Ceilings, Primary Downstairs
- Flooring: Engineered Hardwood
- Windows: Double Pane Windows, Insulated Windows
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Wood Burning
Interior area
- Total structure area: 737
- Total interior livable area: 737 sqft
- Finished area above ground: 737
Property
Parking
- Parking features: Driveway
Features
- Levels: One
- Patio & porch: Front Porch, Rear Porch, Porch - Screened
- Exterior features: Fire Pit
- Pool features: None
- Spa features: None
- Waterfront features: Lake Privileges
Lot
- Size: 0.41 Acres
- Dimensions: 63 x 280 x 64 x 287
- Features: Back Yard, Secluded
Details
- Additional structures: None
- Parcel number: 102j E 019.00
- Special conditions: Standard
- Other equipment: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Cement Siding, Stone
- Foundation: Block
- Roof: Shingle
Condition
- New construction: No
- Year built: 2021
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected, Sewer Connected, Water Connected
Community & HOA
Community
- Features: Dock, Gated, Lake, Park, Sidewalks
- Security: Gated Community
- Subdivision: The Retreat at Waters Edge
HOA
- Has HOA: Yes
- Amenities included: Jogging Path, Maintenance Grounds, Playground
- HOA fee: $100 monthly
Location
- Region: Tracy City
Financial & listing details
- Price per square foot: $441/sqft
- Tax assessed value: $393,400
- Annual tax amount: $1,765
- Date on market: 8/13/2026
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Inclusions: All furniture with the exception of dining table and art.
- Road surface type: Asphalt
Estimated market value
$316,200
$300,000 - $332,000
$1,538/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/13/2026 | Listed for sale | $325,000-7.1%$441/sqft |
Source: Greater Chattanooga Realtors #1540219 Report a problem | ||
| 7/28/2026 | Listing removed | $350,000$475/sqft |
Source: | ||
| 4/28/2026 | Listed for sale | $350,000$475/sqft |
Source: | ||
| 4/22/2026 | Listing removed | $350,000$475/sqft |
Source: | ||
| 3/30/2026 | Price change | $350,000-12.3%$475/sqft |
Source: | ||
| 11/10/2025 | Listed for sale | $399,000$541/sqft |
Source: | ||
| 11/1/2025 | Listing removed | $399,000$541/sqft |
Source: | ||
| 8/11/2025 | Listed for sale | $399,000$541/sqft |
Source: | ||
| 8/1/2025 | Listing removed | $399,000$541/sqft |
Source: | ||
| 3/3/2025 | Listed for sale | $399,000$541/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,765 +3.7% | $98,350 +3.7% |
| 2024 | $1,703 | $94,850 |
| 2023 | $1,703 +7.5% | $94,850 +68.4% |
| 2022 | $1,584 +2.4% | $56,325 |
| 2021 | $1,548 +421.5% | $56,325 +421.5% |
| 2020 | $297 | $10,800 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 37387
Nearby schools
Schools provided by the listing agent
- Elementary: Tracy City Elementary
- Middle: Grundy County Middle
- High: Grundy County High
Source: Greater Chattanooga Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.






