# 628 Charlotte St, Athens, TN 37303

> **TL;DR:** 4bd/4ba single family, $795,000 ($171/sqft), built 1986, 4,648 sqft.
> Fireplace, A/C, 4-car garage. Est. $4,252/mo. Listed 98 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $795,000 |
| Price/sqft | $171 |
| Bedrooms | 4 |
| Bathrooms | 3 full, 1 half |
| Square Feet | 4,648 |
| Year Built | 1986 |
| Lot Size | 364,162 sqft (8.36 acres) |
| Garage | 4-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 98 |

## Why This Home Stands Out

- **Large Garage** - 4-car garage

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $4,020 |
| Estimated Insurance | $232 |
| **Total** | **$4,252** |

## Nearby Schools

- **Elementary:** City Park
- **Middle:** Athens
- **High:** Mcminn

## Key Amenities

- Fireplace
- A/C
- 4-car garage

## Property Highlights

- Built in 1986
- 8.36 acre lot
- Fireplace

## Description

### Agent Description
A rare opportunity awaits in the heart of Athens. This quality-built brick basement ranch sits on three lots totaling approximately 8.36 acres. You'll have room to spread out, enjoy the outdoors, and still remain close to everything the city offers. The property is built for both everyday living and weekend fun. A spacious deck overlooks the swimming pool area, creating a great setting for cookouts, family gatherings, and quiet evenings at home. Car lovers, hobbyists, and anyone needing extra storage will appreciate the garage space. The home includes an attached 2.5-car garage, along with a separate detached 2.5-car garage. That extra space opens the door for a workshop, recreational vehicles, lawn equipment, or additional parking. The home is ready for some updating, yet the solid construction and strong bones give you a great starting point. Bring your ideas, add your personal touches, and turn this property into a home that fits your lifestyle. With acreage, a pool, two garages, and a central Athens location, opportunities like this do not come along often. Schedule a showing and start picturing what life could look like here.

## Location

- **Address:** 628 Charlotte St, Athens, TN 37303
- **County:** McMinn County - 40
- **Neighborhood:** 03 063J B 063J 00300 000 T Slack Surv 95/103
- **Coordinates:** 35.429885, -84.59531
- **Google Maps:** https://www.google.com/maps?q=35.429885,-84.59531

## Listing Agent

- **Name:** Rick C. Smenner
- **Brokerage:** Remax at the Lakes Tellico Village
- **Phone:** 8656969002
- **Broker Phone:** (865) 414-3601
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/628-Charlotte-St_Athens_TN_37303_M88407-59795?f=listhub&s=KAARMLSTN&m=1346855&c=propsimple)

## Photos

![628 Charlotte St - Photo 1](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f113695105r.jpg)

![628 Charlotte St - Photo 2](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2740165054r.jpg)

![628 Charlotte St - Photo 3](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f4150771903r.jpg)

![628 Charlotte St - Photo 4](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1141199000r.jpg)

![628 Charlotte St - Photo 5](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2577406233r.jpg)

![628 Charlotte St - Photo 6](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2619602124r.jpg)

![628 Charlotte St - Photo 7](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3446732569r.jpg)

![628 Charlotte St - Photo 8](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1819760432r.jpg)

![628 Charlotte St - Photo 9](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1636721320r.jpg)

![628 Charlotte St - Photo 10](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2913633205r.jpg)

![628 Charlotte St - Photo 11](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3024868919r.jpg)

![628 Charlotte St - Photo 12](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f314672815r.jpg)

![628 Charlotte St - Photo 13](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3576540572r.jpg)

![628 Charlotte St - Photo 14](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f972571101r.jpg)

![628 Charlotte St - Photo 15](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f723833957r.jpg)

![628 Charlotte St - Photo 16](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3625758235r.jpg)

![628 Charlotte St - Photo 17](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1838061194r.jpg)

![628 Charlotte St - Photo 18](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1909651682r.jpg)

![628 Charlotte St - Photo 19](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3762025923r.jpg)

![628 Charlotte St - Photo 20](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3648212641r.jpg)

![628 Charlotte St - Photo 21](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2556000011r.jpg)

![628 Charlotte St - Photo 22](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f552706287r.jpg)

![628 Charlotte St - Photo 23](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f458286954r.jpg)

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![628 Charlotte St - Photo 25](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f733885621r.jpg)

![628 Charlotte St - Photo 26](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f687254055r.jpg)

![628 Charlotte St - Photo 27](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3260229291r.jpg)

![628 Charlotte St - Photo 28](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f537164432r.jpg)

![628 Charlotte St - Photo 29](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3121428361r.jpg)

![628 Charlotte St - Photo 30](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2752299722r.jpg)

![628 Charlotte St - Photo 31](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f4178759354r.jpg)

![628 Charlotte St - Photo 32](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1275957779r.jpg)

![628 Charlotte St - Photo 33](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3000367561r.jpg)

![628 Charlotte St - Photo 34](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f322023145r.jpg)

![628 Charlotte St - Photo 35](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1502308248r.jpg)

![628 Charlotte St - Photo 36](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1568086498r.jpg)

![628 Charlotte St - Photo 37](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2421822377r.jpg)

![628 Charlotte St - Photo 38](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f767089408r.jpg)

![628 Charlotte St - Photo 39](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3807766240r.jpg)

![628 Charlotte St - Photo 40](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2498422165r.jpg)

![628 Charlotte St - Photo 41](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2137671698r.jpg)

![628 Charlotte St - Photo 42](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2493695681r.jpg)

![628 Charlotte St - Photo 43](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3747482625r.jpg)

![628 Charlotte St - Photo 44](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2479054519r.jpg)

![628 Charlotte St - Photo 45](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1222093270r.jpg)

![628 Charlotte St - Photo 46](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3018700350r.jpg)

![628 Charlotte St - Photo 47](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1210885943r.jpg)

![628 Charlotte St - Photo 48](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2655707710r.jpg)

![628 Charlotte St - Photo 49](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2675344958r.jpg)

![628 Charlotte St - Photo 50](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2526101653r.jpg)

![628 Charlotte St - Photo 51](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3391256138r.jpg)

![628 Charlotte St - Photo 52](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1828537191r.jpg)

![628 Charlotte St - Photo 53](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f3194270807r.jpg)

![628 Charlotte St - Photo 54](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1667853850r.jpg)

![628 Charlotte St - Photo 55](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f2062252832r.jpg)

![628 Charlotte St - Photo 56](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1141199000r.jpg)

![628 Charlotte St - Photo 57](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f226163972r.jpg)

![628 Charlotte St - Photo 58](http://lh.rdcpix.com/6c90fd347f74a92496f5019df5e7f072l-f1034939033r.jpg)

---

**MLS#:** 1346855 | **Updated:** 2026-10-08
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/628-charlotte-st-athens-tn-37303-1346855)

---

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