$1,300,000
UNDER CONTRACT

686 Bluff Dr Winchester, TN 37398

Estimated payment $7,380/month

Total Views 6,050
4 Beds
3.5 Baths
4,668 Sq Ft
$278 Price per Sq Ft

Highlights

  • Lake Front
  • Deck
  • No HOA
  • Community Boat Dock
  • Wood Flooring
  • Screened Porch

About This Home

Beautiful lakefront home located in the sought-after Hopkins Point subdivision with STUNNING WATER VIEWS! Don’t miss this rare opportunity to own a lakefront retreat with panoramic water views and direct access to the lake. This spacious 3-level home offers open living areas, a finished walkout basement, and plenty of room for entertaining family and guests. The lower level features a den/rec room with pool table included, making it the perfect game room or entertainment space. Step outside to enjoy a large deck, lower patio area, screened-in porch, and low-maintenance composite decking—ideal for relaxing and taking in the view. Down at the water, you’ll find a private dock with boat lift, touchless boat cover, and a large sundeck area for hanging out on the dock. A tram to the water (only 5 years old) provides easy access—no stairs needed. Additional highlights include a new roof. Whether you're looking for a full-time residence, vacation home, or investment property, this waterfront home checks all the boxes.

Listing Agent

Ashley Lynch

Lynch Rigsby Realty & Auction, LLC Brokerage Phone: 9316362205 License # 321199 Listed on: 05/01/2026

Lynch Rigsby Realty & Auction, LLC

Co-Listing Agent

Jackson Lynch

Lynch Rigsby Realty & Auction, LLC Brokerage Phone: 9316362205 License #381272

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,055

Year Built

  • Built in 1997

Lot Details

  • 24,829 Sq Ft Lot
  • Lake Front

Parking

  • 2 Car Attached Garage
  • Front Facing Garage

Home Design

  • Vinyl Siding

Interior Spaces

  • Property has 3 Levels
  • Ceiling Fan
  • Gas Fireplace
  • Living Room with Fireplace
  • Screened Porch
  • Interior Storage Closet
  • Lake Views
  • Finished Basement
  • Basement Fills Entire Space Under The House

Kitchen

  • Cooktop
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Trash Compactor

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms | 1 Main Level Bedroom
  • Walk-In Closet
  • Double Vanity

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Docks
  • Deck

Schools

  • Broadview Elementary School
  • South Middle School
  • Franklin Co High School

Utilities

  • Central Heating and Cooling System
  • Septic Tank

Listing and Financial Details

  • Assessor Parcel Number 053H A 01000 000

Community Details

Overview

  • No Home Owners Association
  • Hopkins Point Ph I Subdivision

Recreation

  • Community Boat Dock

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,055

Year Built

Built in 1997

Lot Details

0.57 Acres

Parking

2

Listing Details

  • Prop. Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 1997
  • Unit Levels: Three Or More
  • New Construction: No
  • Building Stories: 2
  • Year Built Details: Existing
  • Special Features: UnderContract
  • Stories: 2

Interior Features

  • Interior Amenities: Ceiling Fan(s), Extra Closets, Walk-In Closet(s), Kitchen Island
  • Appliances: Electric Oven, Cooktop, Trash Compactor, Dishwasher, Dryer, Microwave, Refrigerator, Washer
  • Fireplace Features: Gas, Living Room
  • Fireplace: Yes
  • Fireplaces: 1
  • Flooring: Carpet, Wood, Tile
  • Total Bedrooms: 4
  • Main Level Bedrooms: 1
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Has Basement: Finished, Full
  • Above Grade Finished Sq Ft: 3112
  • Below Grade Sq Ft: 1556
  • Building Area Units: Square Feet
  • Living Area: 4668
  • Living Area Units: Square Feet

Exterior Features

  • Exterior Features: Dock
  • Construction Type: Vinyl Siding
  • Patio And Porch Features: Porch, Covered, Deck, Screened
  • Pool Private: No
  • View: Lake
  • View: Yes
  • Waterfront Features: Lake Front
  • Waterfront: Yes

Garage/Parking

  • Attached Garage: Yes
  • Covered Parking Spaces: 2
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Garage Faces Front
  • Total Parking Spaces: 2

Utilities

  • Sewer: Septic Tank
  • Water Source: Public
  • Cooling: Central Air, Electric
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Utilities: Electricity Available, Water Available

Condo/Co-op/Association

  • Amenities: Boat Dock
  • Association: No
  • Senior Community: No

Lot Info

  • Lot Size Acres: 0.57
  • Lot Size: 100X233.96 IRR
  • Lot Size Units: Acres
  • Parcel #: 053H A 01000 000
  • Property Attached Yn: No

Multi Family

  • Above Grade Finished Area Units: Square Feet

Tax Info

  • Tax Annual Amount: 4055

MLS Schools

  • Elementary School: Broadview Elementary
  • High School: Franklin Co High School
  • Middle Or Junior School: South Middle School

Map

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Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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
2025 $4,055 $203,225 $106,250 $96,975
2024 $4,055 $203,225 $106,250 $96,975
2023 $4,075 $203,225 $106,250 $96,975
2022 $3,830 $204,225 $106,250 $97,975
2021 $4,006 $204,225 $106,250 $97,975
2020 $4,006 $139,175 $78,750 $60,425
2019 $4,006 $139,175 $78,750 $60,425
2018 $3,721 $139,175 $78,750 $60,425
2017 $3,721 $139,175 $78,750 $60,425
2016 $3,482 $130,250 $78,750 $51,500
2015 $3,482 $130,250 $78,750 $51,500
2014 $3,482 $130,252 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
05/01/2026 05/01/26 For Sale $1,300,000 -- $278 / Sq Ft
Source: Realtracs

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Deed $375,000 --
Deed $78,000 --
Warranty Deed $17,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $300,000 No Value Available
Source: Public Records

About the Listing Agent

Ashley Lynch

Lynch Rigsby Realty & Auction, LLC

(931) 414-7568

Section Image

I'm an expert real estate agent with Lynch Rigsby Realty & Auction, LLC in Winchester, TN and the nearby area, providing home-buyers and sellers with professional, responsive and attentive real estate services. Want an agent who'll really listens to what you want in a home? Need an agent who knows how to effectively market your home so it sells? Give me a call! I'm eager to help and would love to talk to you.

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Source: Realtracs

MLS Number: 3186125

Realtracs

APN: 053H-A-010.00

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