About This Home

This 3-bedroom, 4-bathroom single family at 281 Cottage Drive in Ten Mile, TN is listed for $1,699,999 ($440 per sqft). Built in 2001, the home offers 3,861 sqft of living space on a 0.63 acres lot.

Key Features

  • Built in 2001
  • 0.63 acre lot
  • Fireplace

Property Details

3 full, 2 half
5-car garage
2001

Amenities

FireplaceViewHardwoodA/CRV Parking
Listing Description

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.

Monthly Cost Estimate

$9,092/mo

20% down · 6.5% · 30 years

Principal$1,229
Interest$7,367
Insurance$496

Estimates only. Actual payments may vary.

Location

281 Cottage Drive

Ten Mile, TN 37880

Features & Amenities

Interior Features

Walk-In Closet(s)Cathedral Ceiling(s)Kitchen IslandPantryEat-in Kitchen

Exterior Features

Windows - VinylDock

Property Details

Flooring

TileCarpetHardwood

Construction

Vinyl Siding Brick

Views

Lake

Outdoor Features

PorchDeckPatio

Parking

OpenGarageRV

Heating

CentralPropane (Heating)Electric (Heating)

Cooling

Central Air

Appliances

DishwasherMicrowaveRangeRefrigeratorSelf Cleaning Oven

Questions & Answers

This 3-bedroom, 4-bathroom single family at 281 Cottage Drive is listed at $1,699,999 ($440/sqft). The estimated monthly payment is $9,092 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2001, 0.63 acre lot, Fireplace. Interior Features: Walk-In Closet(s), Cathedral Ceiling(s), Kitchen Island. Exterior Features: Windows - Vinyl, Dock.

This property is listed by Kristy Rucker.

KR

Kristy Rucker

Agent at Wallace

Listed by Wallace · Broker phone: (865) 584-4000 · View on Broker Site · Broker website

MLS# 1346939· Source: East Tennessee Realtors®· 117 days on PropertySimple

Copyright © 2026 East Tennessee Realtors®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

281 Cottage Drive, Ten Mile, TN 37880

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