425 Settlers Way, Gray, TN 37615

• 6 beds |
• 4 baths |
• 4,345 sqft

Property Description

Some homes check the boxes. Others redefine how you live. Welcome to 425 Settlers Way, where thoughtful upgrades, flexible living space, & a setting that actually gives you room to breathe come together in a way that just feels right. Situated on an oversized ~0.8 acre lot in one of Gray's most desirable pockets, this home delivers something increasingly rare: true main-level living paired with meaningful square footage that adapts to your life. Step inside & you'll feel the flow immediately. The main living area (where a cozy fireplace adds warmth & character) opens seamlessly into the kitchen & dining space, anchored by a large island designed for real life: morning routines, catch-ups, & everything in between. Updated appliances (2020), a farmhouse sink, & clean finishes bring both style & function, while subtle design touches like the West Elm gold finishes elevate without overdoing it. The main level features 3 bedrooms, including a private primary suite with custom barn doors that add just the right amount of character. Everything about this level is designed for ease, comfort, & everyday livability. But this home doesn't stop at the main level, it expands in both directions, upstairs & down, each offering its own fully functional spaces. Upstairs, a F.R.O.G. (Finished Room Over Garage) is a true ensuite setup with full bath, closet, & bedroom, perfect for guests, a private office, or a tucked-away retreat. Just off this space, you'll find hundreds of square feet of walkout attic storage, giving you easy-access, highly usable space that's rarely found in most homes. Downstairs is where the opportunity really opens up. Finished just 2 years ago, the lower level, thoughtfully designed with separate entrance, has generated rental income. Complete with its own kitchenette (fridge, range, microwave, sink), full bath, bedroom, living room, gym w/mirrors (easily a 2nd bedroom), almost 200 sq ft of unfinished storage, & a dedicated garage ideal for storing everything from tools to toys: this level works for multi-generational living, income potential, or for giving everyone their own space. Step outside to the lower patio & you've got a completely separate living experience. Altogether, this home offers the potential for up to 6 bedrooms across all levels, without ever feeling cramped. Multiple living zones create separation when you want it, while still keeping everyone connected when it matters most. And then there's the outside. The backyard has been intentionally reworked to create usable, flat space, complete with a retaining wall with stone end caps, a firepit area that's ready for evenings with friends, & nights that linger longer. A full irrigation system keeps everything looking its best. A covered deck (almost 270 sq ft) extends your living space outdoors, with seamless indoor-outdoor flow, making it just as functional as the inside. Now layer in the seller's upgrades that make everyday living not just easier, but smarter. Solar panels installed in 2022 through Greene Tech work quietly in the background to offset energy costs, while the EV charger (tied directly into that solar system) positions the home for where things are going. A Nest thermostat brings modern control & efficiency to your comfort, & a 500-gallon propane tank fuels the range, water heater, & outdoor grill, giving you both performance & reliability where it matters most. Even the garage has been thoughtfully considered, with built-in shelving that will remain, because storage isn't just about space, it's about usability. And the location ties it all together. This is why people choose Gray: 19min to Johnson City Med Center, 19min to Eastman HQ, 12min to TRI, & 10min to Boone Lake. All while still enjoying privacy that's hard to find. This isn't just a house with space, it's a home with options. Live on the main. Host upstairs. Income downstairs. Or simply spread out & enjoy it all. Info deemed reliable but not guaranteed. Buyer/Buyer Agent to verify

Listing Status:

Active

Date Added:

April 2, 2026

Data Last Updated:

April 5, 2026 at 5:40AM

Listing Office:

KW Johnson City : 423-433-6500

Listing Agent:

Ryan & Sarah McKinney : 423-773-1607

MLS ID:

9993219

Interior

• General: Soaking TubKitchen IslandPantryWalk-In Closet(s)Granite CountersEntrance FoyerPrimary DownstairsOpen FloorplanUtility SinkSee Remarks
• Appliances: DishwasherDisposalMicrowaveRangeRefrigerator
• Laundry: Washer HookupElectric Dryer Hookup
• Basement: Interior EntryBlockExterior EntryGarage DoorHeatedUnfinishedWalk-Out AccessWorkshop
• Flooring: CarpetHardwoodCeramic TileLuxury Vinyl
• A/C: Heat Pump
• Heating: CentralHeat PumpFireplace(s)
• Fireplace: Gas LogGreat RoomFireplaceFireplaces: 1

Exterior

• General: See Remarks
• Style: FarmhouseTraditionalCraftsman
• Parking: DrivewayConcreteGarage Door OpenerAttached

Construction

• Roofing: Shingle
• Windows: Double Pane Windows
• General: BrickStone VeneerVinyl Siding1Block

Location

• HOA Amenities: Landscaping165.0Annually
• Golf: Curbs
• Originating MLS: Tennessee/Virginia Regional MLS
• County: Washington

Lot

• Zoning: RS012f F 02900 000

Utilities

• Utilities: Cable ConnectedElectricity ConnectedPropaneSewer ConnectedWater ConnectedFiber Connected
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Tennessee/Virginia Regional MLS