686 Bluff Dr, Winchester, TN 37398
Property image
Property image
SOLD
JUN 19, 2026

686 Bluff Dr
Winchester, TN 37398

  • 4 Beds
  • 3.5 Baths
  • 4,668 sqft (on 0.57 acres)

$1,100,000

Last Sold: Jun 19, 2026
15% below list $1.3M
$236/sqft
Est. Refi. Payment $6,046/mo*
Refinance Your Home

$1,100,000

Last Sold: Jun 19, 2026
15% below list $1.3M
$236/sqft
Est. Refi. Payment $6,046/mo*
Refinance Your Home
4 Beds
3.5 Baths
4,668 sqft
(on 0.57 acres)

Local Information

  • Map ViewExplore the area around 686 Bluff Dr.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Description

Beautiful lakefront home located in the sought-after Hopkins Point subdivision with STUNNING WATER VIEWS! Don’t miss this rare opportunity to own a lakefront retreat with panoramic water views and direct access to the lake. This spacious 3-level home offers open living areas, a finished walkout basement, and plenty of room for entertaining family and guests. The lower level features a den/rec room with pool table included, making it the perfect game room or entertainment space. Step outside to enjoy a large deck, lower patio area, screened-in porch, and low-maintenance composite decking—ideal for relaxing and taking in the view. Down at the water, you’ll find a private dock with boat lift, touchless boat cover, and a large sundeck area for hanging out on the dock. A tram to the water (only 5 years old) provides easy access—no stairs needed. Additional highlights include a new roof. Whether you're looking for a full-time residence, vacation home, or investment property, this waterfront home checks all the boxes.
686 Bluff Dr, Winchester, TN 37398 is a 4 bedroom, 4 bathroom, 4,668 sqft single-family home built in 1997. It last sold for $1,100,000 on Jun 19, 2026 (15% below the $1,300,000 asking price). It is currently off market. The Trulia Estimate is $1,100,000, with a rent estimate of $3,781/month.

Home Highlights

Parking
2 Car Garage
Outdoor
Porch, Deck
A/C
Heating & Cooling
HOA
None
Price/Sqft
$236/sqft
Listed
79 days ago

Home Details for 686 Bluff Dr

Active Status

MLS Status: Closed

Interior Features

Interior Details
Basement: Finished,FullNumber of Rooms: 11Types of Rooms: Bedroom 1, Bedroom 2, Bedroom 3, Bedroom 4, Master Bathroom, Dining Room, Kitchen, Living Room, Other Room, Other Room 2, Recreation Room
Beds & Baths
Number of Bedrooms: 4Main Level Bedrooms: 1Number of Bathrooms: 4Number of Bathrooms (full): 3Number of Bathrooms (half): 1
Dimensions and Layout
Living Area: 4668 Square Feet
Appliances & Utilities
Utilities: Electricity Available, Water AvailableAppliances: Electric Oven, Cooktop, Trash Compactor, Dishwasher, Dryer, Microwave, Refrigerator, WasherDishwasherDryerMicrowaveRefrigeratorWasher
Heating & Cooling
Heating: CentralHas CoolingAir Conditioning: Central Air,ElectricHas HeatingHeating Fuel: Central
Fireplace & Spa
Number of Fireplaces: 1Fireplace: Gas, Living RoomHas a Fireplace
Gas & Electric
Has Electric on Property
Windows, Doors, Floors & Walls
Flooring: Carpet, Wood, Tile
Levels, Entrance, & Accessibility
Stories: 2Levels: Three Or MoreFloors: Carpet, Wood, Tile
View
Has a ViewView: Lake

Exterior Features

Exterior Home Features
Patio / Porch: Porch, Covered, Deck, ScreenedExterior: DockNo Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Has a GarageHas an Attached GarageParking Spaces: 2Parking: Garage Faces Front
Frontage
WaterfrontWaterfront: Lake FrontOn Waterfront
Water & Sewer
Sewer: Septic Tank
Finished Area
Finished Area (above surface): 3112 Square FeetFinished Area (below surface): 1556 Square Feet

Property Information

Year Built
Year Built: 1997
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family Residence, Residential
Building
Construction Materials: Vinyl SidingNot a New ConstructionNot Attached Property
Property Information
Parcel Number: 053H A 01000 000

Price & Status

Price
List Price: $1,300,000Price Per Sqft: $236/sqft
Status Change & Dates
Off Market Date: Sat Jun 20 2026Possession Timing: Close Of Escrow

Location

Direction & Address
City: WinchesterCommunity: Hopkins Point Ph I
School Information
Elementary School: Broadview ElementaryJr High / Middle School: South Middle SchoolHigh School: Franklin Co High School

Building

Building Area
Building Area: 4668 Square Feet

Community

Not Senior Community

HOA

No HOA

Lot Information

Lot Area: 0.57 acres

Listing Info

Special Conditions: Standard

Miscellaneous

BasementMls Number: 3186125Water ViewWater View: LakeAttribution Contact: 9316362205Above Grade Unfinished Area: 3112

Additional Information

HOA Amenities: Boat Dock
Last check for updates: about 5 hours ago
Listed by Ashley Lynch, (931) 636-2205
Lynch Rigsby Realty & Auction, LLC
Jackson Lynch, (931) 691-6797
Lynch Rigsby Realty & Auction, LLC
Bought with: Heather Boldizsar, (931) 307-8004, Lake Homes Realty, LLC
Source: RealTracs MLS as distributed by MLS GRID, MLS#3186125

Price History for 686 Bluff Dr

DatePriceEventSource
06/19/2026$1,100,000Sold
RealTracs MLS as distributed by MLS GRID #3186125
06/01/2026$1,300,000ContingentRealTracs MLS as distributed by MLS GRID #3186125
05/01/2026$1,300,000Listed For SaleRealTracs MLS as distributed by MLS GRID #3186125
05/31/2002$375,000Sold
N/A
08/05/1996$78,000Sold
N/A

Market trends in Winchester

Last updated June 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$375K
$61.67KMoM
Sale-to-List Price
97.5%
0.1%MoM
Price per sq ft
$192
$11MoM
Available listings
195
3MoM
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Property Tax and Assessment

Year2025
Tax$4,055
Assessment$812,900
Home facts updated by county records

Comparable Sales for 686 Bluff Dr

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
668 Bluff Dr, Winchester, TN
0.02
Single-Family Home
$1,225,000
07/29/25
2
2.5
3,076
517 Bluff Dr, Winchester, TN
0.18
Single-Family Home
$1,250,000
03/30/26
2
3
3,384
886 Hopkins Ln, Winchester, TN
0.58
Single-Family Home
$1,775,000
04/08/26
4
3.5
3,510
382 Bell Memorial Dr, Estill Springs, TN
0.72
Single-Family Home
$1,820,000
09/09/25
4
3.5
3,600
107 Beechnut Dr, Estill Springs, TN
0.83
Single-Family Home
$1,079,100
07/10/26
4
3
2,786
344 Bell Memorial Dr, Estill Springs, TN
0.74
Single-Family Home
$2,064,000
10/16/25
4
6.5
4,000
891 Hopkins Ln, Winchester, TN
0.61
Single-Family Home
$560,000
06/23/26
3
3
3,534
408 Wildwood Cir, Winchester, TN
0.86
Single-Family Home
$1,400,000
07/24/25
4
3
2,080
97 Shady Cove Ln, Winchester, TN
0.78
Single-Family Home
$1,960,000
01/27/26
2
3.5
3,410

Nearby homes

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Assigned Schools

These are the assigned schools for 686 Bluff Dr.
View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Winchester

At least 34 Trulia users voted on each feature.

  • 92 % Say yards are well-kept

  • 90 % Say car is needed

  • 85 % Say parking is easy

  • 82 % Say there's holiday spirit

  • 79 % Say it's dog friendly

  • 73 % Say it's quiet

  • 72 % Say people would walk alone at night

  • 60 % Say kids play outside

  • 59 % Say streets are well-lit

  • 54 % Say neighbors are friendly

  • 51 % Say they plan to stay for at least 5 years

  • 38 % Say there's wildlife

  • 33 % Say there are sidewalks

  • 27 % Say there are community events

  • 26 % Say it's walkable to restaurants

  • 15 % Say it's walkable to grocery stores

Sourced by Trulia users. Learn more about our methodology.
  • Trulia User
    "It seems to be a very dog friendly neighborhood. I see people walking their dogs frequently. We don’t have sidewalks everywhere though."
    0
    Flag
  • Candiemae1987
    "Local shopping events, small businesses, close knit, craft sales, yard sales, trunk or treating, festivals. "
    0
    Flag
  • Ashley Leslie
    "Seasonal activities in the square or nearby. Great trick-or-treating neighborhoods. Friendly people. Tim’s Ford Lake is here! What more could you ask for. Small town vibes with everything you need close by."
    0
    Flag
  • Trulia User
    "It’s a lovely clean neighborhood with great schools! Nice parks and good roads. Perfect for families ! I love that it’s near the galleria yer feels like you’re in the countryside "
    1
    Flag
  • Trulia User
    "ppl walk dogs all the time, little traffic, courteous drivers and slow speeds, beautiful kept yards, "
    0
    Flag
  • Hnatusko.timothy
    "I’ve lived in the area for most my life and I love it...................... it’s a very pretty neighborhood"
    0
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  • Rachel.cole
    "There are a lot of retired couples in this neighborhood. It is a nice safe neighborhood. The draw back is not being able to find skilled workers who will show up when a repair needs to be done. "
    1
    Flag
  • Courtney H.
    "My neighborhood is next to Tim’s Ford State Park and Bear Trace Golf Course. The scenic beauty of Mother Nature and the vast array of wildlife during my commute make me never want to leave. "
    0
    Flag
  • Ashley Geiger
    "People are friendly and kind. I enjoy the slower pace of life here. The beauty of the outdoors are incredible. I want to raise my children here and grow old with my husband in a neighborhood like this. I love Tennessee period ."
    1
    Flag
  • Jimmydonnaanderson
    "Love Rural communities. Love living in the country . pets can run outside and grandkids can play with being told they are to loud "
    0
    Flag
  • Lindawilliamsnp
    "close to town, yet seems secluded. close to hospital. close to restaurants. city garbage pick up. city sewer/water."
    2
    Flag
  • Dannielle R.
    "It’s quite it a great community with lots to do and many small businesses that carry great local items. "
    3
    Flag
  • kell14
    "Franklin Hills Subdivision is considered one of the best places to live. Natural gas for heating/cooking/fireplace. City sewer/water/garbage and leaf pickup."
    5
    Flag
  • Michelle
    "Great quiet place to live but, yet close enough to three major cities (Huntsville, Al, Nashville, TN, Chattanooga, TN). All within an hours +/- drive."
    0
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Explore by feature - Pet Friendly

7 pet-friendly rentals in Winchester, TN

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8 rentals with air conditioning in Winchester, TN

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Homes for sale near 686 Bluff Dr

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Off Market Homes Near 686 Bluff Dr

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Based on information submitted to the MLS GRID as of 2026-07-19 23:18:22 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Click here for more information