$1,675,000
$75K PRICE DROP

4228 Ridge Water Rd Louisville, TN 37777

Estimated payment $9,272/month

Total Views 12,999
3 Beds
2.5 Baths
3,088 Sq Ft
$542 Price per Sq Ft

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

Listing Agent

Jessica Mace

Realty Executives Associates License #352330 Listed on: 05/01/2025

Realty Executives Associates

Co-Listing Agent

Brittany Reece

Realty Executives Associates License #366340

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

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,178

Year Built

Built in 1998

Lot Details

0

Parking

2

Listing Details

  • Directions: Take Topside-rt on Louisville Rd, Right on Old Lowes Ferry Rd, Left on Lowes Ferry Rd, Right on Holston Rd, right on Gravelly hills, Right on Ridge water Property is near end of road before cul-de-sac
  • Property Sub Type: Single Family Residence
  • Prop. Type: Single Family
  • Year Built: 1998
  • Road Frontage Type: Lakefront
  • Lot Size Acres: 0.86
  • Co List Office Mls Id: 692
  • Co List Office Phone: 865-588-3232
  • Subdivision Name: Ridgewater
  • Architectural Style: Traditional
  • Property Attached Yn: No
  • Structure Type: 2 Story
  • Lot Description:Rolling Slope: Yes
  • Lot Description:Lakefront: Yes
  • Lot Description:Waterfront Access: Yes
  • View:Lake: Yes
  • View:Lakefront2: Yes
  • General Property Description:Fireplace: Yes
  • General Property Description:SqFt - Main Lvl: 2763.0
  • General Property Description:SqFt - 2nd Flr Lvl: 325.0
  • General Property Description:_pound_ Fireplace: 1.0
  • General Property Description:HOA: No
  • General Property Description:Basement: No
  • General Property Description:Bonus Room: Yes
  • General Property Description:Extra Storage: Yes
  • AtchdDtchd Type:Detached: Yes
  • Cooling:Ceiling Fan(s): Yes
  • Cooling:Central Cooling: Yes
  • Floors:Carpet: Yes
  • Floors:Hardwood: Yes
  • Fuel:Electric: Yes
  • Heat:Central: Yes
  • Dining Area:Eat-in Kitchen: Yes
  • Appliances Microwave: Yes
  • Appliances Refrigerators: Yes
  • Misc Features:Internet Available: Yes
  • Misc Features:Walk-in Shower: Yes
  • Misc Features:WasherDryer Connect: Yes
  • Water:Public: Yes
  • Appliances Dryer: Yes
  • Washers: Yes
  • Siding:Stone3: Yes
  • Floors:Tile2: Yes
  • Dining Area:Formal Dining Area: Yes
  • Siding:Wood2: Yes
  • Dining Area:Breakfast Bar: Yes
  • Misc Features:Whirlpool Tub: Yes
  • Siding:Stucco2: Yes
  • Location Tax Legal Info:Property Sub-Type: Residential
  • Special Features: None

Interior Features

  • Appliances: Dishwasher, Dryer, Microwave, Refrigerator, Self Cleaning Oven, Washer
  • Basement YN: No
  • Has Basement: Crawl Space, Outside Entr Only
  • Fireplace: Yes
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Fireplace Features: Wood Burning
  • Fireplaces: 1
  • Flooring: Carpet, Hardwood, Tile
  • Interior Amenities: Breakfast Bar, Eat-in Kitchen
  • Basement:Crawl Space: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Smoke Detector: Yes
  • Other Rooms:Extra Storage3: Yes
  • Other Rooms:LaundryUtility: Yes
  • Other Rooms:Mstr Bdrm Main Level: Yes
  • Appliances:Self Cleaning Oven: Yes
  • Fireplace:Wood Burning: Yes
  • Other Rooms:DenStudy: Yes
  • Other Rooms:Great Room: Yes
  • Basement:Outside Entr Only: Yes

Exterior Features

  • Exterior Features: Dock
  • View: Lake
  • Lot Features: Lake/Water Access, Lakefront, Level, Rolling Slope
  • Construction Type: Stucco, Stone, Wood Siding, Frame
  • Patio And Porch Features: Porch - Screened, Porch - Covered, Deck
  • Construction:Frame: Yes
  • Exterior Features:Deck: Yes
  • Exterior Features:Porch - Screened: Yes
  • Exterior Features:Porch - Covered: Yes
  • Exterior Features:Dock: Yes

Garage/Parking

  • GarageParkingGarageSpaces: 2.0
  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Garage Faces Side, Garage Door Opener, Attached, Main Level
  • GarageParking:Attached2: Yes
  • GarageParking:Garage Door Opener: Yes
  • GarageParking:Main Level: Yes
  • GarageParking Garage Faces Side: Yes

Utilities

  • Cooling: Central Cooling, Ceiling Fan(s)
  • Sewer: Septic Tank
  • Security: Smoke Detector
  • Cooling Y N: Yes
  • Heating: Central, Electric
  • Heating Yn: Yes
  • Water Source: Public
  • Sewer Septic Tank: Yes

Schools

  • Elementary School: Middle Settlements
  • High School: William Blount
  • Middle Or Junior School: Union Grove

Lot Info

  • Lot Size Sq Ft: 37461.6
  • Parcel #: 014 019.10

Tax Info

  • Tax Annual Amount: 4178.12

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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
Source: Public Records

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
Source: East Tennessee REALTORS® MLS

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 --
Source: Public Records

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: Public Records

Source: East Tennessee REALTORS® MLS

MLS Number: 1299434

East Tennessee REALTORS® MLS

APN: 014-019.10