4228 Ridge Water Rd Louisville, TN 37777
Estimated payment $9,272/month
Highlights
- Lake Front
- Docks
- Vaulted Ceiling
- Middle Settlements Elementary School Rated A-
- Deck
- Traditional Architecture
About This Home
Welcome to your dream lake house, located on the main channel of the Tennessee River/Fort Loudoun Lake. This custom-built home, designed from a Southern Living floor plan, offers breathtaking water and mountain views, thoughtful design, and timeless southern charm.
From the moment you arrive, the home's elegant architecture, beautifully landscaped front yard, and inviting presence set the stage for what lies within. Step inside and you're immediately drawn to a stunning wall of windows in the vaulted great room, showcasing panoramic lake views with the Great Smoky Mountains as a majestic backdrop.
This ranch-style home was built for easy, elegant living with all primary spaces on the main level — including the great room, kitchen, den/living room, screened-in porch, and spacious primary suite, all overlooking the lake. The great room features soaring ceilings, built-in shelving and a beautiful fireplace, perfect for gathering with family and friends.
The updated kitchen features new quartz countertops, a subway marble backsplash, and a stainless sink and faucet. Stainless steel appliances, including a wall oven, cooktop, and dishwasher, complete this functional and stylish space. An oversized laundry/utility room just down from the kitchen adds exceptional storage and versatility. Step from the kitchen and breakfast area directly onto a screened porch — ideal for morning coffee, al fresco dining, or enjoying the evening breeze.
The primary suite is a true retreat, offering private deck access and wall-to-wall windows framing the lake and mountain views. The en-suite bath includes a jetted tub, separate shower, and double vanity for a spa-like experience. Two additional large guest rooms and one-and-a-half additional baths on the main level provide comfort and convenience.
Above the garage, a generous bonus room offers endless possibilities — a media room, home office, guest overflow, or recreational space. There's also unfinished attic space for storage or future expansion.
Outside, lakefront living shines with a private, covered dock in year-round water, rip-rap protected shoreline, and an irrigation system fed directly from the lake via a TVA-permitted pump. The expansive deck is finished with maintenance-free Trex decking, perfect for grilling, entertaining, or simply relaxing as the sun rises or sets across the water. With the septic system located in the front yard, the lakeside yard remains open and ready for a you to bring your custom outdoor living space to life.
While you feel tucked away-this home still offers quick access to everyday essentials, including Food City, Kroger, and Walmart (all within 15-20 minutes). Enjoy nearby outdoor recreation at Louisville Point Park (5 minutes away). Only 15 minutes to McGhee Tyson Airport and top healthcare facilities such as Blount Memorial Hospital.
This home is more than just a place — it's a lake lifestyle, offering comfort, beauty, and unforgettable views. Don't miss this rare opportunity to own a piece of lakefront paradise
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,178
Year Built
- Built in 1998
Lot Details
- 0.86 Acre Lot
- Lake Front
- Level Lot
Parking
- 2 Car Attached Garage
- Parking Available
- Side Facing Garage
- Garage Door Opener
Home Design
- Traditional Architecture
- Frame Construction
- Wood Siding
- Stone Siding
- Stucco Exterior
Interior Spaces
- 3,088 Sq Ft Home
- Vaulted Ceiling
- Ceiling Fan
- Wood Burning Fireplace
- Great Room
- Living Room
- Formal Dining Room
- Den
- Bonus Room
- Screened Porch
- Storage Room
- Utility Room
- Lake Views
- Fire and Smoke Detector
Kitchen
- Breakfast Area or Nook
- Eat-In Kitchen
- Breakfast Bar
- Self-Cleaning Oven
- Microwave
- Dishwasher
Flooring
- Wood
- Carpet
- Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- Primary Bedroom on Main
- Whirlpool Bathtub
- Walk-in Shower
Laundry
- Laundry Room
- Dryer
- Washer
Basement
- Exterior Basement Entry
- Crawl Space
Outdoor Features
- Docks
- Deck
Schools
- Middle Settlements Elementary School
- Union Grove Middle School
- William Blount High School
Utilities
- Central Heating and Cooling System
- Septic Tank
- Internet Available
Community Details
- No Home Owners Association
- Ridgewater Subdivision
Listing and Financial Details
- Assessor Parcel Number 014 019.10
Map
Home Values in the Area
Average Home Value in this Area
Tax History
Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
---|---|---|---|---|
2024 | $4,178 | $262,775 | $62,500 | $200,275 |
2023 | $4,178 | $262,775 | $62,500 | $200,275 |
2022 | $4,281 | $173,325 | $57,500 | $115,825 |
2021 | $4,281 | $173,325 | $57,500 | $115,825 |
2020 | $4,281 | $173,325 | $57,500 | $115,825 |
2019 | $4,281 | $173,325 | $57,500 | $115,825 |
2018 | $3,868 | $156,600 | $50,000 | $106,600 |
2017 | $3,868 | $156,600 | $50,000 | $106,600 |
2016 | $3,868 | $156,600 | $50,000 | $106,600 |
2015 | $3,367 | $156,600 | $50,000 | $106,600 |
2014 | $3,013 | $156,600 | $50,000 | $106,600 |
2013 | $3,013 | $140,150 | $0 | $0 |
Property History
Date | Event | Price | Change | Sq Ft Price |
---|---|---|---|---|
08/26/2025 08/26/25 | Price Changed | $1,675,000 | -1.4% | $542 / Sq Ft |
06/15/2025 06/15/25 | Price Changed | $1,699,000 | -2.9% | $550 / Sq Ft |
05/01/2025 05/01/25 | For Sale | $1,750,000 | +9.4% | $567 / Sq Ft |
10/06/2023 10/06/23 | Sold | $1,600,000 | 0.0% | $596 / Sq Ft |
09/01/2023 09/01/23 | Pending | -- | -- | -- |
09/01/2023 09/01/23 | For Sale | $1,599,900 | +133.6% | $596 / Sq Ft |
01/31/2012 01/31/12 | Sold | $685,000 | -- | $255 / Sq Ft |
Purchase History
Date | Type | Sale Price | Title Company |
---|---|---|---|
Warranty Deed | $1,600,000 | Foothills Title | |
Warranty Deed | $685,000 | -- | |
Deed | $103,000 | -- | |
Deed | $74,500 | -- | |
Warranty Deed | $600,000 | -- |
Mortgage History
Date | Status | Loan Amount | Loan Type |
---|---|---|---|
Open | $1,040,000 | New Conventional | |
Previous Owner | $285,000 | No Value Available | |
Previous Owner | $90,000 | No Value Available | |
Previous Owner | $50,000 | No Value Available | |
Previous Owner | $192,000 | No Value Available | |
Previous Owner | $200,000 | No Value Available |
Source: East Tennessee REALTORS® MLS
MLS Number: 1299434

APN: 014-019.10
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