USLakeFront Lake survey & intelligence

$630,000

8128 Cove Rd, Smithville, TN 55522

Sample listing
4
Bedrooms
2
Bathrooms
1,100
Square feet
120 ft
Shoreline
$5,250
Per shoreline ft

Modern build with glass to the water on Center Hill Lake. Roughly 120 feet of owned shoreline on 0.84 acres, with 4 bedrooms across 1,100 square feet. Crib dock with lift. Water clarity on Center Hill Lake averages around 18 feet and the lake is classified managed for water level. Dock and shoreline work fall under USACE Nashville District. This is a sample listing used to demonstrate the platform.

Features

Detached garageBoathouseGentle slope to waterGuest quarters

Property facts

Property typeHouse Year built1976 Lot size0.84 acres DockCrib dock with lift Water depth at dock15 ft ExposureSouth-facing ViewMain channel Annual taxes$5,456 HOA$120/mo Short-term rentalPermitted Listed2026-08-05
$5,355
All-in monthly
$144,370
Cash to close
$16,320
Costs beyond the obvious

Up front

Down payment$126,000
Closing costs (est. 2.4%)$15,120
Septic inspection & pump$850
Water quality testing$400
Waterfront home inspection$800
Survey (shoreline frontage)$1,200
Total$144,370

Every year

Principal & interest$39,832
Property taxes$5,456
Hazard insurance$2,646
Flood insurance$2,400
HOA / POA dues$1,440
Utilities$2,400
Maintenance reserve (1.1%)$6,930
Septic service$520
Well & water testing$260
Dock maintenance$900
Winterization / seasonal close$750
Shoreline / seawall reserve$720
Total$64,254
Adjust these assumptions →
$5,250
This home / shoreline ft
$7,225
Lake average
$573
Per square foot
Well below the lake average — this property prices at $5,250 per shoreline foot against a lake average near $7,225, a difference of -27%. Shoreline frontage is the metric that drives waterfront value, and it is almost never published.
Open the analyzer →
Modeled from the lake's estimated nightly rate and occupancy. Confirm local short-term rental rules before you rely on this.
Booked nights / year126 Gross revenue$52,074 Lodging tax−$5,728 Management−$9,269 Cleaning & supplies−$13,489 Net operating income$23,587 Against annual carry$-40,667
Model your own →
5.9
Lake score
B
Water grade
25 ft
Drawdown
Level stabilityManaged Typical clarity18 ft Dock authorityUSACE Nashville District
Full Center Hill Lake report →
Comparable

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