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60 photos

$1,699,999

281 Cottage Drive, Ten Mile, TN 37880
Ten Mile, TN 37880
Listed by Kristy Rucker · Wallace
Bedrooms
3
Bathrooms
4
Living area
N/A
Year built
2001

About this home

Perfectly positioned on a large, peaceful cove just off the main channel of beautiful Watts Bar Lake, 281 Cottage Drive offers the ideal blend of tranquil waterfront living, breathtaking views, and effortless access to the open water you have been searching for! This exceptional waterfront property offers the perfect balance of peaceful lake living and quick access to open water. Set on a picturesque 0.63-acre lot with a gently sloping, park-like setting that extends to the TVA 750-foot contour line and continues to the shoreline, the setting offers remarkable privacy and the rare convenience of easy, level access to the lake. Offering 3,861 square feet of thoughtfully designed living space, this 3 bedroom, 3 1/2 bath beautifully maintained home blends timeless cottage-inspired architecture with spacious, comfortable living. A welcoming covered front porch, mature landscaping, plantation shutters, and quality finishes create an inviting atmosphere throughout. The impressive great room is the heart of the home, showcasing soaring cathedral ceilings, a cozy fireplace, and expansive windows with electronic shades overlooking the backyard and lake. The adjoining kitchen features custom cabinetry, quality appliances, generous workspace, and an open layout that flows seamlessly into the breakfast area with plantation shutters. A separate formal dining room provides the perfect setting for holidays and entertaining. Completed in 2019, the stunning sunroom addition is one of the home's signature spaces. Surrounded by walls of windows, it offers panoramic views of the beautifully manicured lawn and the peaceful waters of Watts Bar Lake, making it the perfect place to enjoy your morning coffee or unwind at the end of the day. The spacious primary suite features a beautifully renovated spa-inspired bath completed in 2019 with an oversized tiled walk-in shower, freestanding soaking tub, separate vanities, tile flooring, and elegant finishes. Upstairs, you will find 2 guest bedrooms, a full bath and a large bonus room that offers flexible space for a home office, media room, playroom, or guests. The walk-out lower level expands the living space with a full second kitchen, recreation room, guest accommodations, abundant storage, and direct access to the backyard and lake--ideal for entertaining or multigenerational living. Outdoor living is where this property truly shines. The park-like grounds gently lead to the shoreline with one of the easiest, flattest walks to the water you'll find on Watts Bar Lake. The private dock features two covered boat slips, a floating personal watercraft dock, and a spacious lounging deck, creating the perfect place to boat, swim, fish, or simply relax by the water. In addition to the attached two-car garage, a detached three-bay garage/workshop, built in 2015, includes an additional half bath and expansive second-story storage, providing exceptional space for hobbies, boats, vehicles, or recreational equipment. Thoughtfully updated and meticulously maintained, the home also features a newer roof (2022), HVAC systems approximately three years old, a new water heater, and a Generac generator, offering comfort and peace of mind for years to come. From mornings in the sunroom to afternoons on the lake and evenings spent on the dock, 281 Cottage Drive offers the timeless waterfront lifestyle families dream about. Beautifully maintained, thoughtfully updated, and ideally situated on one of Watts Bar Lake's most desirable level waterfront lots, this is a rare opportunity to own a truly exceptional East Tennessee lake home.

Highlights

Fireplace

Property details

MLS #
1346939
Property type
Single Family Residence
Subdivision
N/A
Status
Active
Days on market
81
On market date
July 7, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
5
Parking spaces
N/A
Lot size
0.63 acres
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
Spring City Elementary
8.96 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
557
Student:teacher ratio
12.4:1
District
Rhea County Department of Education
Middle
Midway Middle School
9.61 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
182
Student:teacher ratio
13.0:1
District
Roane County
High
Midway High School
9.71 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
230
Student:teacher ratio
11.5:1
District
Roane County

Walkability

Blended score for Ten Mile's center: EPA's National Walkability Index (street network, transit, land-use mix) combined with nearby-amenity density. 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

16
Very car-dependent
out of 100
EPA National Walkability Index
4.3 / 20 -- Least walkable
Nearby-amenity density
8 / 100
Restaurants & cafes1
Grocery stores1
Parks0
Schools0
Transit stops0
Pharmacies0

Mortgage calculator

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Est. monthly payment
$10,388/mo
$340,000 down
$1,359,999 loan
Principal & interest$8,821
Property tax (est.)$1,417
Home insurance (est.)$150

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Data source: Listing information provided by East Tennessee REALTORS® MLS via Trestle/CoreLogic. Last updated 2 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.