# 655 Mary Gardner, Sparta, TN 38583 > **TL;DR:** 2bd/1ba single family, $265,000 ($261/sqft), built 1990, 1,016 sqft. > Waterfront, View, A/C. Est. $1,417/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $265,000 | | Price/sqft | $261 | | Bedrooms | 2 | | Bathrooms | 1 full | | Square Feet | 1,016 | | Year Built | 1990 | | Lot Size | 87,120 sqft (2.00 acres) | | Stories | 1 | | Property Type | Single Family (Other) | | Status | Pending | | Days on Market | 0 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - River, Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,340 | | Estimated Insurance | $77 | | **Total** | **$1,417** | ## Key Amenities - Waterfront - View - A/C ## Property Highlights - Built in 1990 - 2.00 acre lot - 2 parking spaces - Waterfront ## Description ### Agent Description Discover your own waterfront retreat with 440 feet on the Calf Killer River in beautiful Sparta, Tennessee! This charming 2-bedroom, 1-bath with an office/bonus room this property offers a rare opportunity to enjoy peaceful waterfront escape with ample of outdoor living space for entertaining or relaxing while also providing potential as a vacation home or short-term rental investment. This property has a new AC, windows, and water heater all within the last 2 years. Surrounded by mature trees and natural beauty, the property offers direct access to the water with and an inviting outdoor setting with an abundance of wildlife designed for enjoying the Tennessee lifestyle. Launch a kayak from your own waterfront paddle to the nearby waterfall, or grab a pole to fish, gather around the fire pit in the evenings, enjoy outdoor dining, or simply relax and take in the peaceful surroundings. Inside, the home features a comfortable and welcoming layout with two bedrooms, a full kitchen, walk-in shower, and inviting living spaces. Located in the Sparta area with convenient access to some of Middle Tennessee's most beautiful waterfalls, lakes, rivers, hiking trails, and outdoor recreation, this property combines privacy and relaxation with year-round adventure. Whether you're searching for a personal waterfront escape, weekend retreat, or an investment property, this unique Tennessee property is ready for its next chapter. **Waterfront living, outdoor adventure, and investment potential-all in one special property.** Owner holds an active TN real estate license. ## Location - **Address:** 655 Mary Gardner, Sparta, TN 38583 - **County:** White - **Coordinates:** 35.979052, -85.4184656 - **Google Maps:** https://www.google.com/maps?q=35.979052,-85.4184656 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/655-Mary-Gardner-Sparta-TN-38583/unbranded ## Listing Agent - **Name:** Alisha Majercik - **Brokerage:** Dalton Wade, Inc. - **Broker Phone:** 8886688283 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/655-Mary-Gardner-Rd_Sparta_TN_38583_M83761-40344?f=listhub&s=UCARTN&m=247496&c=propsimple) ## Photos ![655 Mary Gardner - Photo 1](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2804701555r.jpg) ![655 Mary Gardner - Photo 2](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f28984342r.jpg) ![655 Mary Gardner - Photo 3](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f4262292681r.jpg) ![655 Mary Gardner - Photo 4](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1893274814r.jpg) ![655 Mary Gardner - Photo 5](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2261165182r.jpg) ![655 Mary Gardner - Photo 6](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2222058922r.jpg) ![655 Mary Gardner - Photo 7](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2127862841r.jpg) ![655 Mary Gardner - Photo 8](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f800031816r.jpg) ![655 Mary Gardner - Photo 9](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f542145336r.jpg) ![655 Mary Gardner - Photo 10](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f541112404r.jpg) ![655 Mary Gardner - Photo 11](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3362750704r.jpg) ![655 Mary Gardner - Photo 12](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1073702926r.jpg) ![655 Mary Gardner - Photo 13](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f146672373r.jpg) ![655 Mary Gardner - Photo 14](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1636070864r.jpg) ![655 Mary Gardner - Photo 15](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f425745692r.jpg) ![655 Mary Gardner - Photo 16](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1403245802r.jpg) ![655 Mary Gardner - Photo 17](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3689208985r.jpg) ![655 Mary Gardner - Photo 18](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2202012711r.jpg) ![655 Mary Gardner - Photo 19](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2198205068r.jpg) ![655 Mary Gardner - Photo 20](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3474341243r.jpg) ![655 Mary Gardner - Photo 21](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3867046426r.jpg) ![655 Mary Gardner - Photo 22](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f785781002r.jpg) ![655 Mary Gardner - Photo 23](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3495147883r.jpg) ![655 Mary Gardner - Photo 24](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f930034686r.jpg) ![655 Mary Gardner - Photo 25](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1671501267r.jpg) ![655 Mary Gardner - Photo 26](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2290729552r.jpg) ![655 Mary Gardner - Photo 27](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2401678954r.jpg) ![655 Mary Gardner - Photo 28](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3182485665r.jpg) ![655 Mary Gardner - Photo 29](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1895848001r.jpg) ![655 Mary Gardner - Photo 30](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f781652510r.jpg) ![655 Mary Gardner - Photo 31](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f191943237r.jpg) ![655 Mary Gardner - Photo 32](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3766038389r.jpg) ![655 Mary Gardner - Photo 33](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2210796603r.jpg) ![655 Mary Gardner - Photo 34](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1995059128r.jpg) ![655 Mary Gardner - Photo 35](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1533249179r.jpg) ![655 Mary Gardner - Photo 36](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1057802872r.jpg) ![655 Mary Gardner - Photo 37](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1464612177r.jpg) ![655 Mary Gardner - Photo 38](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1923137780r.jpg) ![655 Mary Gardner - Photo 39](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f4129533756r.jpg) ![655 Mary Gardner - Photo 40](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1927711314r.jpg) ![655 Mary Gardner - Photo 41](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2165961695r.jpg) ![655 Mary Gardner - Photo 42](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f2366869390r.jpg) ![655 Mary Gardner - Photo 43](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f118573735r.jpg) ![655 Mary Gardner - Photo 44](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f1903984466r.jpg) ![655 Mary Gardner - Photo 45](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3250314621r.jpg) ![655 Mary Gardner - Photo 46](http://lh.rdcpix.com/d27a83d4888f2967f04a1f9d67cada6al-f3718712443r.jpg) --- **MLS#:** 247496 | **Updated:** 2026-10-23 **Source:** listhub *Copyright © 2026 Upper Cumberland Association of 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/655-mary-gardner-sparta-tn-38583-1e2eeb71ecbe403cacace0b7195bfa24) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/655-mary-gardner-sparta-tn-38583-1e2eeb71ecbe403cacace0b7195bfa24#listing", "url": "https://www.propertysimple.ai/listing/655-mary-gardner-sparta-tn-38583-1e2eeb71ecbe403cacace0b7195bfa24", "name": "655 Mary Gardner, Sparta, TN 38583", "description": "Discover your own waterfront retreat with 440 feet on the Calf Killer River in beautiful Sparta, Tennessee! This charming 2-bedroom, 1-bath with an office/bonus room this property offers a rare opportunity to enjoy peaceful waterfront escape with ample of outdoor living space for entertaining or relaxing while also providing potential as a vacation home or short-term rental investment. This property has a new AC, windows, and water heater all within the last 2 years. Surrounded by mature trees and natural beauty, the property offers direct access to the water with and an inviting outdoor setting with an abundance of wildlife designed for enjoying the Tennessee lifestyle. Launch a kayak from your own waterfront paddle to the nearby waterfall, or grab a pole to fish, gather around the fire pit in the evenings, enjoy outdoor dining, or simply relax and take in the peaceful surroundings. Inside, the home features a comfortable and welcoming layout with two bedrooms, a full kitchen, walk-in shower, and inviting living spaces. Located in the Sparta area with convenient access to some of Middle Tennessee's most beautiful waterfalls, lakes, rivers, hiking trails, and outdoor recreation, this property combines privacy and relaxation with year-round adventure. 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