$345,000

406 Payne Lane, Spring City, TN 37381

3 beds |
1 bath |
2,236 sqft

Single-Family Home
Built in 1983
2acre lot
—— car garage
$154/sqft
Listed 2 months ago

Property Description

Welcome to this charming 3-bedroom, 1-bath home offering space, flexibility, and room to grow. Situated on a rare double lot, this property delivers both comfort and opportunity with plenty of outdoor space for entertaining, expansion, or simply enjoying the extra elbow room. Inside, you'll find a functional layout with an upstairs room that presents a prime value-add opportunity—easily convertible to include a second bathroom, creating additional convenience and equity potential. The dedicated ''man cave'' is ready for game day or weekend gatherings, complete with a pool table that conveys with the home. Step outside to enjoy the above-ground pool, which is ready for a refresh with a new liner—offering the perfect chance to customize and make it your own just in time for summer. Whether you're a first-time buyer, investor, or someone looking for space with upside potential, this property checks the boxes for lifestyle and long-term value.

Listing Status:: Active
Date Added:: February 19, 2026
Data Last Updated:: May 10, 2026 at 1:36PM
Listing Office:: EXP Realty LLC : 888-519-5113
MLS ID:: 1528822

Appliances: DishwasherElectric Cooktop
Laundry: Laundry Room
Flooring: Luxury Vinyl
A/C: Central AirCeiling Fan(s)
Heating: CentralNatural GasDual Fuel
Fireplace: Wood Burning StoveFireplace

General: Rain GuttersOutbuildingShed(s)Workshop
Style: Other
Other Structures: OutbuildingShed(s)Workshop
Pool: Above Ground
Parking: Off Street

Roofing: Shingle
Windows: Aluminum Frames
General: Wood Siding1Block

Road/Access: County Road
Golf: None
Originating MLS: Greater Chattanooga REALTORS®
County: Rhea

Zoning: Tax ID 025 001.41 Tax ID 025 001.29025 00141 000
View: PastureRuralTrees/WoodsView
Fencing: Fenced

Utilities: Electricity ConnectedWater Connected
Water: Well
Sewer: Septic Tank

Source: Greater Chattanooga REALTORS®

This listing courtesy of EXP Realty LLC

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

Ready to Start a VA Loan?

Get Started

NMLS #1907 ^†

Get Prequalified »

Interest rates used in the VA mortgage calculator are shown for illustrative purposes only. Your rate may differ based on a variety of factors, including your credit score and the current market conditions. To get your personalized interest rate, start your quote online.