430 Hilltop Drive, Jefferson City, TN 37760

How does a 4.99% rate on a 30 year fixed mortgage sound? Seller is willing to pay for a 2/1 rate buydown for USDA which takes your rate from 6.99% to 4.99%! Payment lower than rent! Single-level 3-bedroom, 1.5-bath brick ranch inside the Jefferson City limits, about one mile from Carson-Newman University and one mile from Walmart.

If you want a home where the big projects are already finished, start here. In the past 12 months, the sellers updated almost everything you'd want to tackle yourself: luxury vinyl plank flooring throughout, a new kitchen with new cabinets, countertops, and stainless steel appliances, remodeled bathrooms, fresh paint inside and out, a new front door, updated light fixtures, and a new water heater.

You move in and start living instead of renovating. The layout is simple and easy to live in. Your front door opens into a bright living room that flows into a formal dining room, a great spot for Sunday dinners or game night. The kitchen includes a pantry and a laundry area.

The primary bedroom has its own half bath, and two more bedrooms share a full hall bath. One of those bedrooms makes a comfortable home office, guest room, or hobby space. Outside, the 0.39-acre lot gives you a wide, grassy front yard and room out back for a garden, a fire pit, or a dog to run.

The attached one-car garage gives you covered parking plus space for a workbench, tools, or a motorcycle. Who is this home for? First-time buyers ready to stop renting. Anyone wanting one-floor living without stairs. Carson-Newman faculty and staff who want a quick commute.

Investors looking for a move-in ready rental close to campus, where student housing stays in demand. Living inside city limits means city services and short trips for groceries, dining, and errands. Downtown Jefferson City is minutes away, Morristown is an easy drive, and Cherokee Lake and Douglas Lake are close enough for weekend boating and fishing. Knoxville is under an hour away. Updated, affordable, and close to everything in Jefferson City, Tennessee. Take the 3D tour, then come see it in person.