For sale

$748,000

820 Payne Ln Unit 35, Spring City, TN 37381

5beds

3,671sqft

$4,493/mo

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Single Family Residence

Built in 1998

1.5 Acres Lot

$721,400 Zestimate^®

$204/sqft

$-- HOA

What's special

Gas fireplaceInvisible fenceNew lvt flooringStorage buildingFresh paintIncluded appliancesLarge covered patio

THE TOTAL PACKAGE--5 BEDROOMS, 1.5 ACRES, POOL, GARAGES & RV PARKING! Spacious 5-bedroom home on approximately 1.5 acres with extensive updates and amenities. Features include fresh paint, new LVT flooring, updated kitchen, gas fireplace, new patio doors, and surround sound. Enjoy the 20x40 in-ground pool with new liner, large covered patio, multiple garages, RV carport, storage building, 30-amp RV hookup, and parking for 8+ vehicles. Additional highlights include a dedicated office with half bath, underground storm shelter, well, invisible fence, new roof installed October 2025, city water, septic, and included appliances. A rare opportunity offering space, storage, recreation, and convenience!

20 days
196
14

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 5
Bathrooms: 5
Full bathrooms: 3
1/2 bathrooms: 2

Heating

Central, Natural Gas

Cooling

Central Air, Electric, Multi Units

Appliances

Included: Dryer, Disposal, Dishwasher, Free-Standing Electric Range, Freezer, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer, Water Heater
Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup

Features

Breakfast Bar, Cathedral Ceiling(s), Central Vacuum, Kitchen Island, Open Floorplan, Primary Downstairs, Stone Counters, Walk-In Closet(s), Breakfast Nook, Split Bedrooms, Whirlpool Tub
Flooring: Carpet, Luxury Vinyl, Tile
Windows: Insulated Windows
Basement: Crawl Space
Number of fireplaces: 1
Fireplace features: Gas Log

Interior area

Total structure area: 3,671
Total interior livable area: 3,671 sqft
Finished area above ground: 3,671

Video & virtual tour

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Property

Parking

Total spaces: 3
Parking features: Garage Door Opener, RV Access/Parking
Garage spaces: 3

Features

Levels: One and One Half
Patio & porch: Covered, Patio, Porch, Porch - Covered
Exterior features: Private Yard, Storage
Pool features: In Ground, Other
Fencing: Fenced,Invisible

Lot

Size: 1.5 Acres
Dimensions: 1.5 acres
Features: Level

Details

Additional structures: Outbuilding, Storm Shelter
Parcel number: 025 00137 000
Special conditions: Standard

Construction

Type & style

Home type: SingleFamily
Architectural style: Contemporary
Property subtype: Single Family Residence

Materials

Stone, Vinyl Siding
Foundation: Block
Roof: Shingle

Condition

New construction: No
Year built: 1998

Utilities & green energy

Sewer: Septic Tank
Water: Public
Utilities for property: Cable Available, Electricity Connected, Natural Gas Connected, Underground Utilities, Water Connected

Community & HOA

Community

Security: Smoke Detector(s), Security System
Subdivision: Valley Dale

HOA

Has HOA: No

Location

Region: Spring City

Financial & listing details

Price per square foot: $204/sqft
Annual tax amount: $1,967
Date on market: 8/31/2026
Listing terms: Cash,Conventional,FHA,VA Loan

Estimated market value

$721,400

$685,000 - $757,000

$3,571/mo

Price history

Date	Event	Price
8/31/2026	Listed for sale	$748,000+113.7%$204/sqft
Source: Greater Chattanooga Realtors #1541862 Report a problem
2/22/2021	Sold	$350,000$95/sqft
Source: Greater Chattanooga Realtors #1326600 Report a problem

Public tax history

Tax history is unavailable.

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

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.

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Climate risks

Neighborhood: 37381

Getting around

0 / 100

Car-Dependent

18 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

8/10
Spring City Elementary School
Grades: PK-5Distance: 3.3 mi
7/10
Spring City Middle School
Grades: 6-8Distance: 3.9 mi
4/10
Rhea County High School
Grades: 9-12Distance: 11.8 mi

Schools provided by the listing agent

Elementary: Spring City
Middle: Spring City
High: Rhea County High School

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